How do parents 避ける 損失ing their 年金s if they stop work to care for children
- Find out the the two 決定的な tips for parents - and one is FREE
- Even short pauses in saving for 退職 can make a difference?
明言する／公表する 年金 and 税金 perks can 生成する up to £410,000 extra in 退職 for parents who take a career break to care for?children, new 分析 明らかにする／漏らすs.
（人命などを）奪う，主張するing child 利益 earns you 解放する／自由な credits に向かって your 明言する／公表する 年金 for the first 12 years of a child's life, if you don't go 支援する to work and 支払う／賃金 国家の 保険 to build up your 記録，記録的な／記録する that way.
A 30-year-old parent doing this today would be £201,500 better off during a 20-year 退職, factoring?in?３倍になる lock 明言する／公表する 年金 増加するs of at least 2.5 per cent a year, によれば number crunching by Interactive 投資家.
Planning ahead: How stay-at-home mums or dads can 避ける a 黒人／ボイコット 穴を開ける in their 私的な or 明言する／公表する 年金s
一方／合間, 非，不，無-earners can 支払う／賃金 up to £2,880 a year into a 年金, w hich is topped up with 税金 救済 to an 年次の total of £3,600.
This would cost a 30-year-old £34,600 over 12 years, but it could 上げる their 結局の 年金 マリファナ by £208,400 by the time they are 68, assuming 5 per cent 投資 growth 逮捕する of 料金s.
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Interactive 投資家 says its 計算／見積りs 最高潮の場面 how for couples who can afford this, it is 価値（がある） the partner who is working making 出資／貢献s into a 非，不，無-収入 parent's 年金, as it 上げるs their 共同の wealth in 退職.
The parent who takes a career break to bring up children is usually - though not always - a mother, and caring 義務s 加える lower 支払う／賃金 are the major 推論する／理由s why women reach 退職 with much smaller 年金s than men.
A lot of women make a good start with 年金 貯金 but start 落ちるing behind if they have children.
Even short pauses in saving for 退職 can make a difference, 特に when you are young, as you 没収される not only the sums 伴う／関わるd but the immensely 価値のある 構内／化合物 growth on your 年金 投資s that builds up over time.
> How to max out 年金 出資／貢献s while on maternity leave, or 上げる them when 支援する at work
'Planning your 財政／金融s as a couple is 決定的な, 特に when it comes to your long-称する，呼ぶ／期間／用語 wealth,' says Alice Guy, 長，率いる of 年金 and 貯金 at II.
'Once couples have children, there’s often a big 収入s gap for women and this has a knock-on 衝撃 on 年金 wealth.'
（人命などを）奪う，主張するing child 利益 to earn 明言する／公表する 年金 credits doesn't cost you anything, but couples should also consider 支払う／賃金ing into a 非，不，無-earner's 私的な 年金 予定 to the '解放する／自由な money' 最高の，を越す-up you get from 税金 救済, points out Guy.
'It’s a rare quirk in our system which is designed to help 非，不，無-earners build up their own 年金 wealth. It’s a 広大な／多数の／重要な 税金 切り開く／タクシー／不正アクセス as it means you can get 税金 支援する, even when you don’t 支払う／賃金 any 税金.'
明言する／公表する 年金: Why it is 決定的な to （人命などを）奪う，主張する child 利益
The number of families （人命などを）奪う，主張するing child 利益 has 低迷d since a 議論の的になる 精密検査する in 2013, which made better off parents ineligible for child 利益 支払い（額）s.
Until recently, child 利益 was 減ずるd for those 収入 £50,000-加える a year, or wiped out 完全に for those 収入 £60,000-加える.
But the 支配するs were 緩和するd in April this year, and now child 利益 starts to be 段階d out if one member of the 世帯 earns £60,000, and 支払い（額）s stop altogether at £80,000.
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- How do I find a long lost 年金? STEVE WEBB 跡をつけるs 負かす／撃墜する a マリファナ 価値（がある） thousands
- Why has my 明言する／公表する 年金 suddenly stopped and how do I get it 再開するd?
- How much t ax will I 支払う／賃金 on a deferred 明言する／公表する 年金 lump sum under pre-2016 支配するs?
- Will 労働 end the 25% 税金-解放する／自由な 年金 lump sum and should I take 地雷 now to 保護する it?
- How do I 保護する my 年金 against 税金 changes by 労働?
- When will low earners get 税金 救済 on 年金 出資／貢献s?
- Why does Nest have 厳格な人 支配するs than other 年金 計画／陰謀s?
- I'm on 全世界の／万国共通の Credit - will my 私的な 年金 支払い（額）s be taken into account?
- If I take 25% 税金-解放する／自由な cash from my 年金s can I then 支払う／賃金 more into them?
- I've tried for 19 YEARS to get a one-year error in my NHS 年金 記録，記録的な／記録する put 権利
This has 原因（となる）d problems because of a little-understood link between （人命などを）奪う，主張するing child 利益 and the 明言する／公表する 年金.?
（人命などを）奪う，主張するing gets you 解放する／自由な credits に向かって the 明言する／公表する 年金 if you need them.
Parents who do not qualify for child 利益 and so don't （人命などを）奪う，主張する therefore 行方不明になる out on the 価値のある credits.
At today's 明言する／公表する 年金 率s these credits are 価値（がある） £329 each a year, or £6,500 over a 20-year 退職.
But when multiplied to the 最大限 years of credits until a child is 12, and adjusted for ３倍になる lock 増加するs by the time of a 未来 退職, the 人物／姿／数字 is a lot higher, as II has calculated.
After shunning parents' 嘆願s for years, the last 政府 約束d to let parents who lost out 修理 明言する／公表する 年金 記録，記録的な／記録するs by creating a new 国家の 保険 credit they can 適用する for from April 2026.
Until the 直す／買収する，八百長をする is 器具／実施するd, parents who don't qualify for child 利益 are 存在 advised to 服従させる／提出する a （人命などを）奪う，主張する for it anyway, but to tick a box to 選ぶ out of receiving the 支払い（額）s and only get the 明言する／公表する 年金 credits.
The tick box 大勝する is usually the simplest way to do it. Another 選択 is to take both the child 利益 支払い（額）s and the credits, but in that 事例／患者 the higher earner has to fill in a 税金 return to have the money clawed 支援する.
Alice Guy of II says: 'The knotty child 利益 支配するs mean that partners of high earners may be tempted to not 適用する for child 利益, because they will need to 支払う／賃金 it 支援する through the high income chil d 利益 告発（する），告訴（する）／料金. But that 決定／判定勝ち（する） could have a 破滅的な 衝撃 on their 明言する／公表する 年金 later on.
'Stay-at-home parents could 上げる their 明言する／公表する 年金 income by an amazing £200,000 by the time they reach 退職 age by （人命などを）奪う，主張するing child 利益.
'The whole £200,000 is 解放する／自由な so （人命などを）奪う，主張するing child 利益 is a no-brainer.'
私的な 年金: Can you afford to 支払う／賃金 £240 a month into a 退職 計画（する）
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As explained above, 非，不，無-earners can 支払う／賃金 up to £2,880 every year into a 年金, and when 税金 救済 is 追加するd on this 作品 out at a £3,600-a-year 年金 出資／貢献.
II calculates that if a parent 老年の 30 does this for 12 years, it would 上げる their 年金 マリファナ by £208,400 by the time they reach age 68, assuming 5 per cent 投資 growth 逮捕する of 料金s.
The '解放する／自由な' 税金 救済 element 追加するs up to £42,000 by 退職 age, says II.
The 年金 出資／貢献 限界 for 非，不，無-earners has been frozen at £3,600 a year since 2001.
To use it, you need to be 井戸／弁護士席 enough off to have 貯金 利用できる to コースを変える into a 年金.
However, women on maternity leave and parents raising children are の中で the 重要な groups who can 利益 from this 年金 saving perk. The partner who is working can 支払う／賃金 the 出資／貢献 to 改善する 共同の 財政／金融s in 退職
Children can get the advantage of this perk too if parents 始める，決める up a junior self-投資するd personal 年金 (Sipp) for them.
It is also useful for anyone who takes time out of the workplace for other 推論する／理由s, such as a career break, illness, 失業 or becoming an 未払いの carer.
