18 de julio, 2014. Por Álvaro Mancera
Artículo extraído del Boletín de Noticias de Bufete Matemático Actuarial (http://bufetematematico.com/)
Según un análisis de Liberty SIPP, una persona necesitaría ahorrar 30 años antes de su nacimiento para que al momento de su retiro, pueda percibir en su pensión la mitad del salario promedio del país.
(Artículo extraído del Boletín de Noticias de Bufete Matemático Actuarial publicado el día 18 de julio del 2014) .
Según un análisis de Liberty SIPP, una persona necesitaría ahorrar 30 años antes de su nacimiento para que al momento de su retiro, pueda percibir en su pensión la mitad del salario promedio del país.
UK. The average person born today would need to start saving 30 years before their birth in order to achieve a retirement income of half the average UK salary, according to new calculations.
Figures by pension provider Liberty SIPP show securing an annual income of £13,500 at age 65 – after taking the 25 per cent tax-free lump sum – currently requires a pension pot of £250,000.
This means a person born in 2014 who saves at the average rate, would need to have started saving in 1984 and would need to save for 95 years to reach a pot of that size, Liberty SIPP said.
Generating an annual pension income of £13,500 without having the tax-free lump sum, requires a pension pot of £188,000, the firm added.
Liberty SIPP managing director John Fox said although the industry is starting to sound like a “broken record”, people are saving “way too little and are starting way too late”
“Either we do something about this or we invent a time capsule so that a baby born in 2014 can start saving into a pension in the mid-eighties, in order to get a half decent retirement in 65 years’ time,” Fox said.
Referencia:
Weymouth, Lauren; “Starting a pension at birth is already too late, calculations show” (15 de julio de 2014). Periódico: Pensions Age. Consultado el 18 de julio de 2014. Disponible en: http://www.pensionsage.com/pa/Starting-a-pension-at-birth-is-already-too-late-calculations-show.php
