2026年联合王国的养恤金改革旨在通过仪表板、咨询和计划修正来改进退休规划,但许多储蓄者尽管风险增加,仍然无所作为。 UK pension reforms in 2026 aim to improve retirement planning through a dashboard, advice, and scheme fixes, but many savers remain inactive despite rising risks.

2026年,联合王国的养恤金储蓄者将面临四项重大改革,旨在改善退休规划:在10月31日前启动的国家养恤金仪表板将把所有养恤金站合并在一个地方,恢复的养恤金委员会将评估全系统问题,一个有针对性的咨询制度将从2026年4月开始提供有针对性的指导,《养恤金计划法案》可能引入违约退休收入选择,并帮助纠正业绩不佳的计划。 In 2026, UK pension savers will face four major reforms aimed at improving retirement planning: a national pensions dashboard launching by October 31 will consolidate all pension pots in one place, a revived Pensions Commission will assess system-wide issues, a targeted advice regime will offer tailored guidance starting April 2026, and the Pension Schemes Bill may introduce default retirement income options and help fix underperforming schemes. 这些变化是近三分之一的储蓄者说,如果他们审查自己的计划,特别是年轻和高收入者的计划,他们会增加捐款。 These changes come as nearly a third of savers say they’d increase contributions if they reviewed their plans, especially younger and higher earners. 然而,只有一小部分人计划按照这些意图采取行动,突出认识与行动之间的差距。 However, only a small fraction plan to act on these intentions, highlighting a gap between awareness and action. 与此同时,国家养老金年龄不断提高,2027年即将对养老金死亡抚恤金征收继承税,经济压力日益加大,这促使专家们敦促积极审查养老金,合并账目,使用免费指导工具以避免长期财务风险。 Meanwhile, rising state pension age, upcoming inheritance tax on pension death benefits from 2027, and economic pressures are increasing uncertainty, prompting experts to urge proactive review of pensions, consolidation of accounts, and use of free guidance tools to avoid long-term financial risks.