Immigrating to the UK

gregmcc said:
I was also looking at paying in extra but at £824 a year it's not cheap. Would be interesting to see how much extra you get for paying in a year and the offset vs the 824.
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See post above. 3 years of pension pays for the extra contribution...?
 
Gotta love a working state.

Simple language, easy to find info

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Sinbad said:
Sadly my wife won't get enough years for a full pension, maybe not even a partial one. I probably won't even make a full one.

I have 9 full years, and 18 years left till I'm 65, leaves me 8 years short. Need to do some maths, I'll probably work past 65 anyway. Can also contribute now to make up shortfall in past years. £824 per year... Must see what difference each year makes.
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Wife has 9 years worth of NI contributions. Though not relevant with the “new” law.

We are both 35. So enough time till to get us pretty much a full state pension I think and if it’s worth while buy the extra credits I think.

Out of interest what does SA state pensions pay? Never looked into it. I know it’s ****.

Edit. https://www.gov.za/services/social-benefits-retirement-and-old-age/old-age-pension

So R2k a month. And you have to apply for it and meet some criteria.

How does one survive on R2k a month? That’s less than £100 a month. Bloody hell.
 
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The Voice said:
Other question is, unless you own property or something, what’s the point of retaining your SA citizenship if you never intend on living there again?
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Because when WW3 breaks out, SA is far away from where the war will rage.
 
AdrianH said:
Because when WW3 breaks out, SA is far away from where the war will rage.
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I'm next door to the aircraft carriers. When ww3 breaks out I won't even know about it
Exactly 5 miles from their berths
 
My forecast for state pension is measly.

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I am having to pay quite a bit into both my private and company pensions, and a higher risk shares ISA on a monthly basis to ensure my retirement is comfortable.
 
AdrianH said:
My forecast for state pension is measly.

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I am having to pay quite a bit into both my private and company pensions, and a higher risk shares ISA on a monthly basis to ensure my retirement is comfortable.
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Mine isn't much better than yours. Are you going to top up a few years? You look to be 9 or 10 short?
 
Sinbad said:
Mine isn't much better than yours. Are you going to top up a few years? You look to be 9 or 10 short?
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Only arrived late 2019 and that's when I got my NI number. I managed to buy back 2019, but they won't let me buy back before then. Currently have 4 full years only
 
AdrianH said:
Only arrived late 2019 and that's when I got my NI number. I managed to buy back 2019, but they won't let me buy back before then. Currently have 4 full years only
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Ahhh damn
So my wife will be in the same position. ****. We were definitely going to buy her up to 10 years so she at least gets something.
 
Sinbad said:
Ahhh damn
So my wife will be in the same position. ****. We were definitely going to buy her up to 10 years so she at least gets something.
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Yeah, the eligibility for buying years when you weren't in UK seem quite limited.

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I have a big gap between 2005 and 2020 which I'm considering partially filling (got my NI number in 99)
 
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