投資者觀點：“我將自己的獎金投入到養老金中”

57歲的投資者Douglas Rae 告訴我們他的退休計劃絲毫沒有因養老金政策的變化而改變，同時，他也很感激政策的靈活性。

新的調查顯示，越來越多的退休人員在養老金規定改變後選擇取出養老金用於國外旅遊。有七分之一的新的退休金自由政策的受益者打算取出資金用於旅遊。
但對於私人投資者Douglas Rae來說，將退休金用於支付他和妻子Patricia為期兩週的日落愛琴海是“永遠也不會發生的”。

“我不可能將那筆錢用於旅遊，”他說。“這筆資金需要維持我們剩下的生活——這也是這筆錢的最初目的。”Rae，57歲，在他長達三十年金融生涯里已經積累了相當多的養老金。“我的公司對於費用和貢獻有一個非常優惠的計劃，所以，我總是堅持它，並將得到的每一筆獎金存入養老金中，這同時可以避免不必要的稅收。”

Rae，他說對養老金政策改革“非常滿意”，但是他不會偏離之前的退休金計劃，只會做一些微調。

直到現在，大部分擁有私人養老金或者企業養老金的人會將養老金用於購買養老金，這樣他們的餘生就會有資金保障。“我在過去從來沒有對養老金感興趣，”他說。“我讨厭自己辛苦掙來的、省吃儉用的資金在我死後消失。”

Rae 將他工資的25%作為免稅總額用於投資溢價債券。他也有一個現金儲蓄帳戶用於應對突發事件。

養老金可以用來償還債務

Rae 和他妻子也有一部分資金用於償還位於中洛錫安郡一個五居室的貸款。然而，Rae說，他從來沒有把房產視為退休計劃的核心部分。
“我和我的妻子一直將我們的房子看作成一項投資以及資產。現在，我的孩子們已經離開家，當我妻子退休的時候我們有可能換一套小一點的房子，”他說。

“任何股權的釋放都是受歡迎的，我們沒有計劃靠它生活。”

Rae最近從他的公司計劃中取出了自己的養老金，將它們分別投入到哈格里夫的投資平台以及切爾西金融服務公司。

“知道掌控著自己的養老金給了我心理上的安寧，”他解釋道。“我知道，如果有錯誤的話，那就是我的錯——但是仍然，我頭腦中對自己利益最大化非常自信。”

然而，關於養老金計劃最具挑戰的是對這筆資金將會維持餘生。“沒有人可以預測我們能活多久，所以，盡我們最好的努力是明智的，”他說。

Investor Views: "I Paid Any Bonuses Into My Pension"
Fifty-seven year old investor Douglas Rae tells Morningstar how his retirement plans are largely unaffected by the pension changes but he is grateful for the flexibility

A growing number of retirees are withdrawing funds in the wake of changes to pension regulations to pay for trips abroad, new research has revealed. According to research from the Post Office Travel Money, one-in-seven retirees who benefit from the new pension freedoms were planning to withdraw funds for travel.
But for private investor Douglas Rae, using his retirement funds to pay for a fortnight in the sun for him and his wife Patricia is “never going to happen.”
“There is no way that I would ever spend that money on travelling,” he says. “This money has to last the rest of our lives – it’s what I have always been saving for.”
Rae, aged 57, has amassed a considerable pension pot over the three decades of his career in finance.
“My firm had a very preferential scheme in terms of fees and contributions, so I always stuck with it and always ploughed any money from bonuses into my pension to avoid unnecessary tax.”
Rae, pictured below, says that he is “very pleased” with the pension reforms and while he welcomes the changes, he will not deviate from his original retirement plans bar a few tweaks here and there.
Fifty seven year old Douglas Rae
Until now, most people with a private or workplace pension have had to cash in their pension savings for an annuity which would provide a guaranteed income for the remainder of their life.
“I was never very keen on the past requirement to buy an annuity,” he says. “I hated the idea that my hard-earned – and saved – money would disappear when I died.”
Rae has taken 25% of his pension fund as a tax-free lump sum that he invested in premium bonds and an ISA wrapper invested in income paying assets. He has also has a pot of cash in a savings account for emergencies.
Pension Funds Help to Pay Down Debt
Rae and his wife have also used a portion of the lump sum to pay off the mortgage of their five-bedroom Midlothian home. However, Rae says that he has never viewed his property as an essential part of his retirement planning.
“My wife and I have always looked at our home as an investment as well as an asset. Now that our children have left home, we will likely downsize when my wife retires,” he said.
“But while any equity that will be released will be welcome, we haven’t planned to depend on it for living.”
Rae recently moved his pension savings from his company scheme, dividing the funds between accounts on investment platforms Hargreaves Lansdown and Chelsea Financial Services.
“It gives me peace of mind to know that I am in charge of my retirement money,” he explains.
“I know that if there is a mistake, it was my fault – but also, means I can be confident that I have my best interests in mind.”
However, Rae says that the most challenging part of pension planning is being confident that the money will last the rest of their lives.
“No one can predict how long we are going to live, so it is sensible to prepare as best we can,” he says.

本文翻譯由兄弟財經提供

文章來源：http://www.morningstar.co.uk/uk/news/136762/investor-views-i-paid-any-bonuses-into-my-pension.aspx