投资者观点：“我将自己的奖金投入到养老金中”

57岁的投资者Douglas Rae 告诉我们他的退休计划丝毫没有因养老金政策的变化而改变，同时，他也很感激政策的灵活性。

新的调查显示，越来越多的退休人员在养老金规定改变后选择取出养老金用于国外旅游。有七分之一的新的退休金自由政策的受益者打算取出资金用于旅游。
但对于私人投资者Douglas Rae来说，将退休金用于支付他和妻子Patricia为期两周的日落爱琴海是“永远也不会发生的”。

“我不可能将那笔钱用于旅游，”他说。“这笔资金需要维持我们剩下的生活——这也是这笔钱的最初目的。”Rae，57岁，在他长达三十年金融生涯里已经积累了相当多的养老金。“我的公司对于费用和贡献有一个非常优惠的计划，所以，我总是坚持它，并将得到的每一笔奖金存入养老金中，这同时可以避免不必要的税收。”

Rae，他说对养老金政策改革“非常满意”，但是他不会偏离之前的退休金计划，只会做一些微调。

直到现在，大部分拥有私人养老金或者企业养老金的人会将养老金用于购买养老金，这样他们的余生就会有资金保障。“我在过去从来没有对养老金感兴趣，”他说。“我讨厌自己辛苦挣来的、省吃俭用的资金在我死后消失。”

Rae 将他工资的25%作为免税总额用于投资溢价债券。他也有一个现金储蓄账户用于应对突发事件。

养老金可以用来偿还债务

Rae 和他妻子也有一部分资金用于偿还位于中洛锡安郡一个五居室的贷款。然而，Rae说，他从来没有把房产视为退休计划的核心部分。
“我和我的妻子一直将我们的房子看作成一项投资以及资产。现在，我的孩子们已经离开家，当我妻子退休的时候我们有可能换一套小一点的房子，”他说。

“任何股权的释放都是受欢迎的，我们没有计划靠它生活。”

Rae最近从他的公司计划中取出了自己的养老金，将它们分别投入到哈格里夫的投资平台以及切尔西金融服务公司。

“知道掌控着自己的养老金给了我心理上的安宁，”他解释道。“我知道，如果有错误的话，那就是我的错——但是仍然，我头脑中对自己利益最大化非常自信。”

然而，关于养老金计划最具挑战的是对这笔资金将会维持余生。“没有人可以预测我们能活多久，所以，尽我们最好的努力是明智的，”他说。

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.

本文翻译由兄弟财经提供

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