State pension blow as experts warn ‘it’s a benefit not entitlement’ – ‘No right to it’
Ros was quoted in the Daily Express explaining that State Pensions are a benefit, not a legal right. Unlike public sector pensions. ( link to pdf )
Rishi Sunak denies being ‘Scrooge’ as he mulls £10bn raid on middle-class pensions among £25bn of tax hikes in crucial fiscal package next week – while public services face eye-watering £35bn cuts
The Daily Mail quotes Ros warning that the Chancellor should not keep cutting middle class pensions. ( link to pdf )
What’s the point of saving for old age if you’re punished for doing so, asks BARONESS ROS ALTMANN By Baroness Altmann For The Daily Mail Published: 00:11, 7 November 2022 | Updated: 00:15, 7 November 2022 e-mail 24 shares 2k View comments This is the economics of the madhouse. Downing Street’s reported plan to extend the freeze on the lifetime allowance for retirement funds could undermine the whole thrust of the pensions system. It represents a stealth tax on middle income savers. By refusing to increase the maximum limit on pension funds for at least five years, until 2027, Prime Minister Rishi Sunak and Chancellor Jeremy Hunt could force an estimated two million more people to pay tax penalties of up to 55 per cent on pension withdrawals. That is appalling. It goes against the whole incentive for putting money aside to invest for the long term in a pension fund. Ministers have also discussed reducing the level of income tax relief on pensions for Britain’s 5.5million higher-rate taxpayers, from 40p to 20p. Again, this could prove a huge disincentive to saving and amounts to an income raid on any workers earning more than £50,270. I accept that having a simple annual limit on how much can be invested into a tax-favoured pension makes sense, so that the very highest earners cannot abuse the system and avoid tax. But it’s crazy to then punish people for making smart investments over the decades and building up a comfortable nest egg. By refusing to increase the maximum limit on pension funds for at least five years, until 2027, Prime Minister Rishi Sunak and Chancellor Jeremy Hunt (pictured) could force an estimated two million more people to pay tax penalties of up to 55 per cent on pension withdrawals By refusing to increase the maximum limit on pension funds for at least five years, until 2027, Prime Minister Rishi Sunak and Chancellor Jeremy Hunt (pictured) could force an estimated two million more people to pay tax penalties of up to 55 per cent on pension withdrawals The upper limit on lifetime allowances used to be £1.8million. This was reduced again and again, to £1.5million and then £1.2million and finally supposed to be frozen at around £1million, before the Treasury announced it would rise in line with inflation. But this hasn’t happened. The last announcement was that it would be frozen again for a couple of years while the latest rumours suggest it will be frozen for even longer. With the consumer price index currently over 10 per cent, an inflation link would increase the limit by roughly £100,000 this year, but instead its value is whittling away. Every year the limit is frozen, it is falling in real terms. TRENDING DAN HODGES: Rishi has vowed to act tough to end winter of discontent 169 viewing now RICHARD KAY: How will William feel over public grab for Diana legacy? 2.1k viewing now PETER HITCHENS: Arrogance could send us towards nuclear catastrophe 1.7k viewing now It’s been a policy worthy of the Grand Old Duke of York, but certainly not worthy of encouraging successful pension investing. The solution ought to be simple. By setting up a pension fund early in their careers, people can make steady payments and see their funds increase over time. But what’s the point of encouraging that if, after all those years, people find they are punished for doing well. The penal tax rates are an active disincentive to sensible saving. A better way forward would be to abolish the lifetime allowance penalty altogether. Just control annual contributions and encourage successful investment. Baroness Altmann is a former pensions minister. Jeremy Hunt is set to wield the axe in £35bn of spending cuts as he eyes £25bn in tax rises and a £10bn raid on middle class pensions BY ARCHIE MITCHELL AND MARTIN BECKFORD FOR THE DAILY MAIL Jeremy Hunt is to outline spending cuts of up to £35billion in next week’s crucial Autumn Statement – and is also weighing up a £10billion tax raid that would hit the middle classes, it emerged last night. The Chancellor is understood to have devised proposals for the huge cutbacks after further discussions with Prime Minister Rishi Sunak on Saturday. He is also planning to push through £25billion of tax rises in order to fill a budget black hole now estimated at a staggering £60billion. Mr Hunt is due to submit the main outline of his plans to the Office for Budget Responsibility by this morning. He had hoped for a 50/50 split between cuts and tax rises but it is understood that last week’s dire Bank of England warning of a long recession means tax revenue will be lower than previously expected. Jeremy Hunt (pictured) is to outline spending cuts of up to £35billion in next week¿s crucial Autumn Statement Jeremy Hunt (pictured) is to outline spending cuts of up to £35billion in next week’s crucial Autumn Statement Yesterday, a Cabinet minister insisted the Government would only put up taxes as a last resort. Oliver Dowden, Chancellor of the Duchy of Lancaster, told Sky News: ‘Unfortunately, because of the difficult decisions we have to take, we are going to have to take difficult decisions on both tax and spending. ‘But of course, as Conservatives – and I know that the Prime Minister and the Chancellor share this view with me –we need to bear down on spending first and eliminate waste, excessive spending and only go to tax rises if it’s the last resort. ‘But given the difficulties in the public finances, there is likely to be a mix of the two.’ Middle class workers also face a £10billion hit as the Chancellor considers a tax raid on pension contributions. Mr Hunt is believed to be weighing up a change to tax rules that encourage workers to contribute to their pension pots. The Government could reduce the rate at which income tax relief is applied to 5.5million higher-rate taxpayers, from 40p to as low as 20p. This would raise between £8billion and £10billion each year. But it would come at the expense of workers earning more than £50,270 per year, who receive a tax break of 40 per cent on their pension contributions. Pension tax relief currently costs the Government £42.7billion each year. Oliver Dowden (pictured) insisted the Government would only put up taxes as a last resort Oliver Dowden (pictured) insisted the Government would only put up taxes as a last resort A Treasury source told The Sunday Telegraph income tax relief on pensions ‘has been discussed’ and is still on the table. A similar plan in 2016 by then-Chancellor George Osborne was abandoned amid warnings it would cause a ‘riot’ in the Conservative Party. Sir Steve Webb, former pensions minister and partner at law firm Lane Clark & Peacock, said: ‘£10billion is roughly five million people losing £2,000 each – the majority of whom probably voted Tory last time.’ He added that if ministers wanted to alienate Conservative voters, then to ‘abolish the higher-rate tax reliefs and scrap the triple lock and you are pretty much done’. Downing Street is also reportedly looking at extending the freeze on the lifetime allowance for retirement funds for at least five years. But critics say that a refusal to increase the maximum limit on pension funds could force an estimated two million more people to pay tax penalties of up to 55 per cent on pension withdrawals. Share or comment on this article: What’s the point of saving for old age if you’re punished for doing so, asks BARONESS ROS ALTMANN e-mail 24 shares Comments 2024 Share what you think Newest Oldest Best rated Worst rated View all The comments below have not been moderated. 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Sam Ryder expresses his gratitude for fame after spending his life ‘working on building sites and singing at weddings’ When is the Strictly Come Dancing final 2022? Who is favourite to win? Who are the past champions? ‘I didn’t realise that my uterus had split open’: Joss Stone reveals she was in labour for 32 hours and her newborn’s heart rate plummeted Hand-me-down gown, Lady Chatterley? Netflix must be feeling the pinch as star Emma Corrin wears a frock that’s in at least three other productions ‘I haven’t had any racy DMs’: Strictly’s Molly Rainford reveals her kids TV background means she doesn’t receive much social media attention Sam Smith commands attention in plunging silver jumpsuit as they perform at star-studded Capital’s Jingle Bell Ball ‘She’s getting a bit cheeky with it!’ Coronation Street star Alan Halsall says daughter Sienna, 9, often uses his celebrity status to embarrass him Lori Harvey avoids awkward run-in with ex-boyfriend Michael B. Jordan as she steps out in Hollywood Capital’s Jingle Bell Ball 2022: Lewis Capaldi says ‘it’s a sad day’ as he consoles England supporters during his performance after World Cup loss Victoria Beckham ditches the World Cup in favour of cocktails and crackers with sister Louise – while David watches England lose to France ‘There is no hiding from it, it hurts’: ‘Absolutely gutted’ Harry Kane says it will ‘take some time’ to get over England’s World Cup defeat Annie Lennox sips on a glass of bubbly to celebrate her daughter Lola’s 32nd birthday in West Hollywood as she arrives hand-in-hand with husband Follow Daily Mail Subscribe Daily Mail Follow @DailyMail Follow Daily Mail Follow @MailOnline Follow Daily Mail Next story ‘They were happy to lie to protect my brother’: Harry and Meghan fire new attacks at William and the Royal Family in explosive trailer for Netflix series as they say they were victims of ‘institutional gaslighting’ 10k comments Back to top Home News U.S. Sport TV&Showbiz Australia Femail Health Science Money Travel Video Best Buys Discounts Sitemap Archive Video Archive Topics Index Mobile Apps Screensaver RSS Text-based site Reader Prints Our Papers Top of page Daily Mail Mail on Sunday This is Money Metro Jobsite Mail Travel Zoopla.co.uk Prime Location Published by Associated Newspapers Ltd Part of the Daily Mail, The Mail on Sunday & Metro Media Group dmg media Contact us How to complain Leadership Team Advertise with us Contributors Terms Do not sell my info About MailOnline Privacy policy & cookies Cookie regulation logo Advertisement Advertisement Great! 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Ros wrote a comment for the Daily Mail explaining why the Chancellor should consider abolishing the Lifetime allowance and encourage people to invest in long-term projects, rather than punishing them for success. ( link to pdf )
Baroness Ros Altmann: How pension funds can help solve the climate puzzle
Ros wrote an article for Financial News explaining how pension funds can help solve the climate puzzle.
Social care cap faces delay until election as part of Rishi Sunak’s attempt to fill financial black hole… but NHS budget will be ‘protected’ from cuts
The Daily Mail quotes Ros about the possibility of the social care cap once again being delayed and hoping that proper reform will happen quickly to alleviate the care crisis. ( link to pdf )
Only around 1 in 7 women confident in their retirement savings
Pensions Age quotes Ros talking about a Cushon study showing only 1 in 7 women think they have enough retirement savings. ( link to pdf )
Just one in seven women confident they have saved enough for retirement
Cushon research quotes Ros talking about the gender pensions gap and women not saving enough for retirement. ( link to pdf )
Why are the elderly back in triple lock limbo? It’s a matter of honour and our national values to give them a 10% state pension rise, says ROS ALTMANN
Ros wrote a Comment Article for This is Money urging the Government to end the pensions worries that have left them in triple lock limbo. ( link to pdf )
Rishi Sunak refuses to commit to raising state pension with inflation | Pensions expert reacts
Ros was interviewed by GBNews explaining why it is so important that the Government should confirm quickly that it will raise state pensions in line with inflation.
Inflation sparks a new era of pensions inequality
Daily Telegraph quotes Ros highlighting that public sector pensioners – who have both State and work pensions – have legally watertight inflation protection while pensioners relying only on State Pensions are left worrying year to year if their meagre income will be protected properly.