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    Lets get serious, state pensions are a major financial burden on the tax payer and crying out for reform.

    There are a number of things the state needs to consider regarding pensions:
    a) given life expectancy and health standards today what are future projections for state pension costs on various basis (e.g. no value rise, rise in line with average pay, rise in line with cpi etc.)
    b) given falling birth rates, what are future projections for tax take based on current rates etc.
    c) what are future forecast for other government spend and income
    d) how does changing the age one is entitled to the state pension change these numbers
    e) what impact are gold plated civil service pension schemes having on the ability of the state to provide pension to the rest of us

    Private pensions are a different issue - the state needs to consider
    a) how do we encourage young people to make provision for their old age
    b) how can we empower people of all ages to take control of their pensions and work with their providers to shape their pension appropriately at different stages of their lives
    c) is it more cost efficient to give people tax incentives to make pension provision rather than giving them an earnings related pension when they retire
    e) should the state interfere at all in the age someone can access their private pension provision
    f) should tax changes to private pensions be reversed

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