从2027年开始,英国对养老金继承征税高达67%,使退休规划复杂化。 UK to tax pension inheritances at up to 67% starting 2027, complicating retirement planning.

2014年,George Osborne引入了养老金自由,允许退休人员从其养老金中提取资金。 In 2014, George Osborne introduced Pension Freedom, allowing retirees to withdraw funds from their pensions. 然而,雷切尔·里夫斯总理在2024年宣布,从2027年开始,养恤金将征收继承税,这可能给受益人带来财政压力,因为他们可能面临高达67%的税率。 However, Chancellor Rachel Reeves announced in 2024 that pensions will be subject to inheritance tax starting in 2027, which may cause financial strain for beneficiaries, as they could face a tax rate of up to 67%. 这一改变可能导致年金增加,并影响顾问费。 This change could lead to an increase in annuities and affect adviser fees. 集体确定缴款(CDC)计划被视为改善养恤金结果的一个潜在解决方案,但其成功与否尚不确定。 Collective Defined Contribution (CDC) schemes are seen as a potential solution to improve pension outcomes, but their success is uncertain. 新的医疗保险规则还可能造成在向受益人分配资金方面的严重延误,使退休规划进程复杂化。 The new IHT rules could also create significant delays in distributing funds to beneficiaries, complicating the retirement planning process.