更多的退休人员正在比较年金率、增加转账和潜在的节约。 More retirees are comparing annuity rates, boosting transfers and potential savings.

根据Just Group对FCA数据的分析,2024/25年期间62%的年金是在消费者比较费率后购买的,高于前几年。 A record 62% of annuities in the 2024/25 period were purchased after consumers compared rates, up from previous years, according to Just Group’s analysis of FCA data. 更多的退休人员是转换提供者,特别是那些养恤金超过50 000英镑的退休人员,68%的退休人员是转换提供者。 More retirees are switching providers, especially those with pensions over £50,000, where 68% changed providers. 市场竞争和养老金自由的改善推动了更多的消费者参与,许多人使用经纪人或顾问。 Improved market competition and pension freedoms have driven greater consumer engagement, with many using brokers or advisers. 完成移交的平均时间仅为11天。 The average time to complete a transfer was just 11 days. 拥有50 000英镑养恤金的健康的65岁老人在25年中通过选择最佳费率可以获得近9 050英镑,在披露健康细节后,近一半人领取了增加的付款。 A healthy 65-year-old with a £50,000 pension could gain nearly £9,050 over 25 years by choosing the best rate, and nearly half received enhanced payouts after disclosing health details. 专家建议,在最后确定年金之前,采用免费的、明智的养恤金指导,并检查是否达成更好的交易。 Experts recommend using free Pension Wise guidance and checking for better deals before finalizing annuities.