Ah okay. It’s not the end of the world. I’ll get close to 35 years of contributions.
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Immigrating to the UK
- Thread starter AchmatK
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Ah okay. It’s not the end of the world. I’ll get close to 35 years of contributions.
Lucky, I think my max is 28 or something
I’ll get 33 years of contributions roughly. So that’s “close enough” I think. Add a private pension on top of that. Should be OK. And wife will have hers as well - but we can cover her gaps as she worked in uk from age 16
You don't have to have a private pension, but your employer must take out a workplace "private" pension though.
For my personal private pension I use Vanguard.
I just invested in 3 funds
Retirement 2035
Retirement 2040
Retirement 2045
** Can't remember if the name is retirement, but the funds are Vanguard managed funds and they target a "final" year like above.
Thanks I’ll look at those too.
I get my UK contract next month. I’ll take a look at see what their contributions will be. I suspect it will be the standard 3%. I’ll contribute double that at min.
Probably the bare minimum 3% yes
Pensions work a little different here.
1) Workplace private pension is similar (identical) to SA. They take the monthly premium before tax, so that is your tax rebate on the monthly payment.
2) On private pension, you are obviously paying in after being taxed on your salary. Now what happens here is that when you pay into a private pension, the government adds 20% to the payment, and that is your tax rebate. There is a slight caveat to this as depending on your tax bracket, you can actually lose some tax benefit here unless you submit an annual tax assessment (return). Basically, if you earn over £50k per annum, it will be more tax beneficial to pay more onto workplace pension to get this tax rebate/saving rather than pay into private pension, unless you are willing to do annual tax return.
Probably the bare minimum 3% yes
Pensions work a little different here.
1) Workplace private pension is similar (identical) to SA. They take the monthly premium before tax, so that is your tax rebate on the monthly payment.
2) On private pension, you are obviously paying in after being taxed on your salary. Now what happens here is that when you pay into a private pension, the government adds 20% to the payment, and that is your tax rebate. There is a slight caveat to this as depending on your tax bracket, you can actually lose some tax benefit here unless you submit an annual tax assessment (return). Basically, if you earn over £50k per annum, it will be more tax beneficial to pay more onto workplace pension to get this tax rebate/saving rather than pay into private pension, unless you are willing to do annual tax return.
Interesting, thanks. I do earn a fair more than that. I’ll have to do some research.
Mine shows the date my first card licence was issued, and that is the date I use for insurance purposes.
gregmcc
Honorary Master
On the front it's got date of issue, and date of expiry.
On the back codes valid from/to. Not sure where they get these dates from as it's neither my conversion date nor when I got my SA license.
vigras rojara
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Mine is from the approximate date I did the swop.
Sinbad
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Mine is the date I passed my tests.
Complete with a transcription error, I did my test in Feb not March.
This license is actually the result of swapping 2 SA licenses. First one swapped in 1999, did my drivers again in SA in about 2007, then did a bike license in 2018, then sent that one in when I moved over this time and had the bike entitlement added to my existing UK license.
(did the test again because you only have a year to swap after you move back to SA)
Complete with a transcription error, I did my test in Feb not March.
This license is actually the result of swapping 2 SA licenses. First one swapped in 1999, did my drivers again in SA in about 2007, then did a bike license in 2018, then sent that one in when I moved over this time and had the bike entitlement added to my existing UK license.
(did the test again because you only have a year to swap after you move back to SA)
Sinbad
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I don't think you make NI contributions after you reach state pension age (67) unless you're self employed and pay class 4 contributions
Sinbad
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My first one was in ID book.
So yeah may be card issue date?
Actually that might make sense for mine as well. Temp license when I passed the test then a month for new ID book.
Thanks all. I have a track day experience at Brands Hatch in an M4 in August. And they want a full UK driving license that is older than 1 year. So was just checking to see if I would need to extend it the track experience to next year. Seems not!
How long does it take to swap out the license for a UK one?
How long does it take to swap out the license for a UK one?