英國退休金指南：香港人的30個常見疑問 (第一集) | 你今天供NI的錢不是用來發退休金給你

英國退休金指南：香港人的30個常見疑問 (第一集) | 你今天供NI的錢不是用來發退休金給你 | 英國投資理財

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Күн бұрын

一連四集解答香港人對英國退休金 (英國養老金) State Pension 的30個常見問題。
TIMESTAMPS:
00:00 開場白
01:01 30條問題清單
01:40 什麼是國家退休金？
03:34 與Workplace Pension，Personal Pension有何區別？
06:17 誰人有資格領取？
08:29如何才能領取全額？
09:38 退休金金額有多少？
11:08 如何查詢現有多少Qualifying Years？
11:46 退休金資金從何來?
WATCH MORE:
🎬 英國退休金指南：香港人的30個常見疑問 (第二集) • 英國退休金指南：香港人的30個常見疑問 (第...
🎬 【稅年完結前最後衝刺】無工作也可享自主投資個人退休金(SIPP)稅務優惠 • 【稅年完結前最後衝刺】無工作也可享自主投資...
🎬 2024年SIPP供應商大比拼：誰是你的退休規劃贏家？ • 2024年SIPP供應商大比拼：誰是你的退休...
🎬 英國投資理財 • 英國投資理財
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DISCLAIMERS & DISCLOSURES:
本人並非稅務或財務專家。影片內容僅為作者本人自行收集之資料，只供資料參考及教育用途。並不保證資料正確無誤，亦不構成稅務或投資產品的建議、要約或產品推廣。如果閣下有財務或稅務疑問，請尋求相關專業人士幫助。投資涉及風險，投資產品之價格可升亦可跌，甚至變成亳無價值。投資產品之過往業績並不代表將來表現。任何人觀看此影片而欲從事投資行為，應自行考量本身財務狀況、投資目標、經驗、風險承受能力及理解相關產品之性質與風險，並應自行對所有責任負責。
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CREDITS:
🖼 Free stock videos, photos, and graphics from Pexel.com
🖼 Icons by Icons8 icons8.com
HASHTAGS:
#英國退休金 #StatePension #英國 #移民英國 #bno移民 #廣東話 #小魚爸

Пікірлер: 88

@koonanna8164 Ай бұрын

期待第二集🧡

@koonanna8164 Ай бұрын

👍🏻👍🏻👍🏻

@iplinwong2092 Ай бұрын

Thank you👍

@SmallFishBa Ай бұрын

my pleasure

@poonregina3500 Ай бұрын

Thank you for your explanation

@SmallFishBa Ай бұрын

you are welcome, Regina

@sherlockmatsumoto8541 Ай бұрын

Thanks for sharing!!!

@SmallFishBa Ай бұрын

welcome

@othk12000 Ай бұрын

❤感謝分享

@SmallFishBa Ай бұрын

謝謝收看

@wendymak3389 Ай бұрын

Clear and useful. Thank you.

@SmallFishBa Ай бұрын

Thanks for watching

@K42718 Ай бұрын

清晰 thanks a lot

@SmallFishBa Ай бұрын

謝謝收看

@mltrader2972 Ай бұрын

Thank you very comprehensive well done

@SmallFishBa Ай бұрын

Very welcome

@Tomato.306 Ай бұрын

未睇先like

@SmallFishBa Ай бұрын

you are the best

@Polikim852 Ай бұрын

好清楚👍👍

@SmallFishBa Ай бұрын

謝謝收看

@koonanna8164 Ай бұрын

了解多咗非常好，謝謝👏🏻👏🏻👏🏻

@SmallFishBa Ай бұрын

謝謝 Anna. 你都好好學👍

@user-cg1nx1qo8l Ай бұрын

Thank you 晒小魚爸

@SmallFishBa Ай бұрын

唔使客氣

@kongyinyeung878 Ай бұрын

深入淺出，支持小魚爸好影片

@SmallFishBa Ай бұрын

謝謝收看

@richardsing 25 күн бұрын

very good explanation thx

@SmallFishBa 25 күн бұрын

Glad you liked it 😁

@janxchim Ай бұрын

真係非常清晰有用，感謝小魚爸❤

@SmallFishBa Ай бұрын

謝謝收看☺️

@LLUK325 Ай бұрын

👏🏼👏🏼👏🏼

@SmallFishBa Ай бұрын

😀

@user-pv5nj3me3o Ай бұрын

good sharing

@SmallFishBa Ай бұрын

Thank you.

@kennethwong9209 Ай бұрын

Well done 😊

@SmallFishBa Ай бұрын

Thanks, Kenneth

@kennethwong9209 Ай бұрын

分析全面，簡潔但清楚👍

@kklo7032 Ай бұрын

真係明左好多咩係NI, 多謝小魚爸

@SmallFishBa Ай бұрын

唔洗客氣, Kk

@emilycheung1697 Ай бұрын

你說的正是，我就係你講嗰種「聽片」唔睇片嘅人。😅 不過你講得好清晰，好清楚👍👍👍 就算唔睇片都明白晒！感謝🙏

@SmallFishBa Ай бұрын

謝謝收聽 😀

@dordorwu924 Ай бұрын

謝謝小魚爸的分享😊，NI Contribution 制度真係好唔公平喎！會唔會令到高收入人士唔願意留喺英國工作而要移民他國呢？因為交稅交咁多，但退休金又得咁少😅！

@SmallFishBa Ай бұрын

所以我覺得交NI都係當交稅算啦。保守黨有話想取消NI contribution, 其實咪即係變做交稅, 只不過到時條數唔係分開.

@wendywong6590 Ай бұрын

我57歲嚟，有工作。10年，即係到67歲。都唔知有無人請可以做到67歲。唉！

@MMS701 Ай бұрын

我哋一把年紀先來英國，免強供夠十年NI ，退休都只有£63 ，真係買鹽又唔夠咸、買糖又唔夠甜😂😂 NI 乾塘，可能到時連£50都無😅求人不如求己，早啲做好退休理財規劃好過😎

@SmallFishBa Ай бұрын

係呀. 求人不如求己。

@Boop-G Ай бұрын

啲人真係以為來英國有錢派，係咁卜入來！

@BillWong Ай бұрын

@@Boop-G No one comes here for public funds. I only considered my freedom and safety.

@Boop-G Ай бұрын

@@BillWong Well said! Before you say this, make sure your kids not go to state school, not use any NHS services, not apply senior bus pass etc. Those services from taxpayers in UK. Don't say that you contribute as well, can't compare with us at all! We pay UK tax over 40 years! How about you?

@BillWong Ай бұрын

@@Boop-G All of us have paid NHS surcharge before we visited the GP and hospitals. Do your homework before saying anything.

@tinaliu-vs3hp Ай бұрын

小魚爸：你好！你每次出片我都很用心看你的节目。我有一個疑问關于ssip退休金.我已經付了2880入去，但一值沒有收到政府72o补贴我想问你怎样做.是不是我做不正确，希望你能帮帮我，多謝你了！

@SmallFishBa Ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi Tina, 謝謝你。SIPP 嘅 Tax relief 我都未收到。我用AJ Bell, 以AJ Bell 的講法，假設我4月5日入錢，要等到5月25 tax relief先會到。 "It depends when you pay into your SIPP. If we receive your SIPP contribution on or before the 5th of the month, we’ll reclaim the basic-rate tax relief from HMRC and pay it as cash into your SIPP account on the 25th of the following month. For example, if we receive your contribution on 1 April, we’ll pay the tax reclaim into your account on 25 May. However, if we receive your contribution on 6 April, we’ll pay your tax reclaim on 25 June." www.ajbell.co.uk/faq/when-will-i-receive-tax-reclaim-contributions-paid-my-sipp

@venuspuimanlau7017 Ай бұрын

請問，蘇格蘭嗰邊係咪一樣咁計？

@SmallFishBa Ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 以我所知係。State Pension 係全英國性嘅措施

@venuspuimanlau7017 Ай бұрын

@@SmallFishBa 謝謝你🙏

@wingcheung813 Ай бұрын

請教一下, 我收取一國外公司兼職薪金(並沒有滙入英國), 以self-assessment方式報稅, 但由於薪金不多, 只交一佰鎊不到稅金, 但我發現NI有一Payable gap, 需要支付8xx鎊, 為何出現這個gap? 是否必須支付日後才獲NI? 而最近更收到通知暫不用報稅至另行通知, 那麼我是否損失了一年NI Credit? 謝謝指教

@BillWong Ай бұрын

這就是小魚爸講的自願供款，年年的金額都不同，但gap year是和你實際收入脫勾的。供左便有一年qualify year.所以如實際打工交NI,是可以交少好多都有相同qualify year.

@BillWong Ай бұрын

供唔供你要計一下，如不供只得9年，當然供。

@wingcheung813 Ай бұрын

@@BillWong 我計過條數, 只要退休後多活兩年半就可以抵番條數, 我估我得掛.謝謝

@SmallFishBa Ай бұрын

本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi Wing。出現呢個Gap 相信係你供NI嘅收入不夠Lower Earning Limit。可以參考吓我第二集問題15有提到相關計算方法。 kzfaq.info/get/bejne/prCCf8-gsZmaiJ8.html 除非你補錢, 否則就無Qualifying Year。