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Money Times - March 27, 2018

Posted by Jill Kerby on March 27 2018 @ 09:00

Will You Outlive Your Pension? Let’s Hope Not

 

I once knew an elderly man who said one of the great delights of his old age was that his teeth would outlive him. He was someone who had survived the Great Depression, the Juno Beach landings and was born long before the marvels of modern dentistry (especially in rural Quebec and fluoride-free Montreal).

 I hope my pensions – my private one and the State one - outlive me.

The government’s intention, as laid out in the most recent report on the state of pensions in this country (I’ve lost track of how many there have been over the past 27 years since I’ve been reporting them) is that the broad changes  proposed in the Roadmap for  Pensions Reform 2018-2023 will do just that and make the three pension pillars – the State Pension, Private Pensions and Public Sector Pensions – affordable and sustainable.

Last week this column looked at how a new SSIA-like auto-enrolment pension should increase pension coverage from its current low rate of just under 50% and how by linking PRSI contributions to years worked will provide people with a better idea, at any stage in their working lives, of the kind of total retirement income they can expect.

The PRSI changes are especially critical given the wholly unsatisfactory treatment of workers – most of them women retiring since 2012 - who were forced to or voluntarily gave up employed work for a number of years, only to return to the workforce.

The annual averaging of their PRSI contributions over their lifetime has worked against at least 42,000 people who have been shortchanged. The anomaly was finally recognized and ends officially on March 30. Those affected will be returned to their full pension entitlements by the first quarter of 2019 and can expect a benefit refund for post-2012 loss of income. 

The restoration was necessary if only to ensure that the ‘total contributions approach’ could be included in the just published Roadmap which states that

in the future a minimum number of payments – still undisclosed – will be necessary to qualify for a full State pension and pro-rata pensions will apply for everyone else.

The government will also consider allowing workers “without a full social insurance contribution record increase their retirement provision by choosing to continue making PRSI contributions beyond State pension age and up to the actual date of retirement,” something that already happens in the UK.

This is an important development since the Roadmap also makes it clear that compulsory retirement dates need to go, especially the traditional 65 birthday which then results in workers having to apply for Jobseekers Benefit until they reach age 66 and can claim their State Pension. (Anyone retiring from 2021 will need to be 67 before their state benefits can be claimed so could end up on a Jobseeker’s payment for two years if forced to retire at 65.)

Not only are most Irish workers (outside of heavy industrial or farm sectors) more than capable of working well into their 60s, many people in our post-industrial society only start their full-time working careers in their 30s after years of graduate education, training, internships and contract employment. 

For them, a compulsory retirement in their mid-60s is unlikely to ever produce sufficient combined private/State pension income.

The Roadmap also sets out reforms to public sector pensions, but mostly enshrine changes that have already happened – like the extra Pension Related Deduction that was introduced as a consequence of the post 2008 financial crisis; from January 2019 it will be turned into a permanent Additional Superannuation Contribution.   

Also, public servants hired before April 2004 will have a new compulsory retirement age of 70 (though any 23 year hired by the government in March 2004 is unlikely to be surprised to find that all their friends in the private sector will also be retiring at 70 by 2054.)  

Are these two changes enough to guarantee the sustainability of this pension pillar?  Both the State and Public Service pension systems are woefully underfunded at the moment and future unfunded deficits are already reckoned to be in the hundreds of billions of euro.

The Roadmap claims, at least for public service pensions, that these measures will be enough. But success – the continuation of indexed, service-related pension of up to 50% of career-averaged earnings – will still be entirely dependent on pay-as-you-go general taxation. There is no mention of a new, invested, National Pension Reserve Fund.

The Roadmap for Pensions is an ambitious document and worth reading, (see www.social.ie ) all the more so since it will need a steady stream of taxation to keep funding our State and public sector pensions,  and positive global investment returns to support private sector pensions.

If only for these reasons, if you haven’t made any provision for your retirement yet, the best response of all to this Roadmap…is to hire a good, independent, impartial pension adviser. 

Time may not be on your side.

The TAB Guide to Money Pensions & Tax 2018 is available in good bookshops. See www.tab.ie for ebook edition.

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  38. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  39. Mrs. Sharon David
    A MUST READ: HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. JOHN MARSHALL LOAN COMPANY Hello to All across the globe, I am Mrs. Sharon David, from United State Of America, USA. I am a mother of 4 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. John Marshall the most interesting part of it is that my loan was transfer to me within 48hours so I will advice you to contact Dr. John Marshall if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. John Marshall today for your loan They offer all kind of categories of loan they Short term loan (1_10years) Long term loan (20_30 years) They offer loan like Home loan............., Business loan........ Debt consolidation loan ....... Student loan..........,Business start up loan Business loan....... , Company loan..............Mortgages loan construction loan.....car loan........ hotel loan....personal loans.. Investment Loan.......Commercial Loan........Refinancing Loans Truck Loans............Farm Loan etc. Email..........(dr.johnmarshallloans@gmail.com) Phone +1 (984) 333-2836 When it comes to financial crisis and you need to be free from financial crisis then Dr. John Marshall loans is the place to go please just tell him I Mrs. Sharon David direct you Good Luck....
  40. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  41. Raymond Dosion
    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee/Standby Letter of Credit will be paid after the delivery of the MT760, Description OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG/SBLC) 2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD). 3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Purchasing Price: 32% of face value plus 2% commission fees Leasing Price: 4% of Face Value plus 1% commission fees. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Contact : Mr. Raymond Doison Contact Email: crusaderbroker.bgassurance@gmail.com skype:crusaderbroker.bgassurance@gmail.com
  42. WE OFFER ALL KIND OF LOANS
    Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Intermediaries / Consultants / Brokers Are Welcome To Bring Their Clients And Are 100% Protected. Interested Parties Should Contact Us For More Information Through Via E-mail: CYSCredits@Post.com ( CYSCredits@Asia.com )
  43. WE OFFER ALL KIND OF LOANS
    Do You Seek Funds To Pay Off Credits and Debts? PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com Please Fill the Application Form Below: - Complete Name: - Loan Amount Needed: - Loan Duration: - Purpose Of Loan: - City / Country: - Telephone: - How Did You Hear About Us: Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com
  44. WE OFFER ALL KIND OF LOANS
    We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Have Loan Programs Tailored For Any Profile And You've Come To The Right Place To Satisfy Your Business Needs. If Your Company Or You Know Of Any Company With Viable Projects / Proposals That Needs Financing, Kindly Write Us With The Loan Requirement. Please, Contact Us For More Information: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com ) We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  45. WE OFFER ALL KIND OF LOANS
    / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )
  46. Walsh Robert
    We are authorized Financial consulting firm that work directly with A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc We provide BG, SBLC,and lots more for clients all over the world. We are equally ready to work with Brokers and financial consultants/consulting firms in their respective countries. Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned We hope to establish a long term business relationship with you even after this first trial Regards WALSH SMITH, ROBERT email : info.iqfinanceplc@gmail.com skype: cpt_young1 Tel contact: +447031968934 Whatsapp: +447441393450 Registered No: 04374045
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