More over-55s are tapping their pensions and over half are cashing them out entirely, new official figures reveal.
Nearly 740,000 pension funds were accessed in the 2022-23 financial year, up around 5 per cent from the year before, https://bangcacloai.com/ as people struggled to pay household bills in a period of rising inflation.
Some 56 per cent of pots are being cashed in full – the majority of them worth £10,000 or less, according to new data from the Financial Conduct Authority.
Meanwhile 36 per cent were invested in a drawdown plan and 8 per cent were used to buy an annuity in the year to October 2023.
Tapped: There has been a 5% rise in the number of pensions being cashed out, FCA data shows
Sales of annuities fell nearly 14 per cent to around 59,200, despite better deals coming on the market as interest rates started to rise.
However, recent industry figures covering the whole of 2023 suggest more savers are being tempted by a strong recovery in the guaranteed retirement income an annuity will provide.
Annuities were shunned for years due to poor rates and restrictive conditions, and after gaining a bad reputation on the back of mis-selling scandals.
The pension freedom reforms in 2015 prompted most savers to keep their funds invested and live off withdrawals instead, despite the financial market risk involved.
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Meanwhile, the FCA’s new report showed a sharp drop in the number of people transferring out of final salary pensions – which like annuities provide a guaranteed income for life – into invested drawdown plans where the holder bears the investment risk.
Final salary schemes have slashed the value of the offers made to workers to transfer out, because the rise in interest rates has improved their ability to fund pensions over the long term.
Former Pensions Minister Steve Webb says of the figures showing most defined contribution pots are cashed in full: ‘These figures highlight the fact that hundreds of thousands of people reach retirement each year with very small pension pots.
The temptation to draw cash rather than secure retirement income is great, especially in light of the cost-of-living crisis
Paul Leandro, partner at Barnett Waddingham
‘These pots would generate very little regular income if spread out over the decades of retirement,’ adds Webb, who is now a partner at LCP and This is Money’s pensions columnist.
‘Instead, the majority of people still judge that the best thing to do is to cash out their pension and enjoy some additional cash at the start of their retirement.
‘But with dwindling numbers of retirees having defined benefit pensions to fall back on, we urgently need to boost pension pots to a size where it makes sense to keep them rather than cash them in.
‘With every new set of figures we see the consequences of the government’s delay in expanding automatic enrolment, and the need for urgent action to get Britain saving more for retirement.’
Paul Leandro, partner at Barnett Waddingham, says: ‘The FCA should not be surprised by the increasing levels of cash withdrawals from pension pots, but they should be worried.
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Kemi Badenoch became the first of Rishi Sunak’s ministers to confirm they will vote against his smoking ban this afternoon as he faced a rebellion by the Tory Right.
The Business Secretary said she would not support the move for a rolling ban on tobacco products, which is set to be approved by the Commons tonight.
Ms Badenoch, who is seen as a leading contender to succeed Mr Sunak as party leader if the Tories lose the election, said that the legislation would ‘treat legally competent adults differently’ by bringing in an age limit on buying cigarettes that changed every year.
Writing on X she also questioned how enforceable it was, and said the burden for doing so would fall ‘not on the state but on private businesses’.
Because it is a ‘conscience vote’ Ms Badenoch can defy Mr Sunak without fear of being sacked. She is one of a number of ministers who are expected to vote against the law.
Her intervention came after ex-PM Liz Truss had slammed Rishi Sunak for ‘limiting freedom’ with his plans for a cigarettes ban as MPs gear up for a crunch vote.
The Business Secretary said she would not support the move for a rolling ban on tobacco products, which is set to be approved by the Commons tonight.
Liz Truss today slammed Rishi Sunak for ‘limiting freedom’ with his plans for a cigarettes ban as MPs gear up for a crunch vote
Health secretary Victoria Atkins (left) and her shadow Wes Streeting are both supporting the proposals
The Business Secretary wrote on X ahead of the Commons vote: ‘I have significant concerns and appreciate the PM making this a free vote. It gives me the opportunity to express my personal view, outside collective responsibility. The principle of equality under the law is a fundamental one. It underpins many of my personal beliefs.
‘We should not treat legally competent adults differently in this way, where people born a day apart will have permanently different rights.
‘Among other reasons it will create difficulties with enforcement. This burden will fall not on the state but on private businesses.
‘Smoking rates are already declining significantly in the UK and I think there is more we can do to stop children taking up the habit.
‘However, I do not support the approach this bill is taking and so will be voting against it.’
During tetchy exchanges in the Commons, Ms Truss swiped that the government was ‘infantilising’ Brits by taking away their choice.
Stressing that she was not a supporter of smoking, she said she was ‘disappointed’ that the Tory administration thought the ‘state knows best’. Ms Truss said Labour was the right home for ‘finger-wagging, nannying control freaks’.
The intervention came as shadow health secretary West Streeting gloated that Ms Truss and her allies were right to brand the proposals ‘un-Conservative’.
He said he was ‘delighted’ to support the measures after they were ‘adopted’ by Mr Sunak.
Dozens of the PM’s own rank and file, and several ministers, are set to oppose the plans to ensure anyone currently aged 15 or younger will never be able to buy a cigarette legally.
However, Mr Sunak has insisted it is right to protect children, while Chief Medical Office Chris Whitty dismissed criticism saying many people cannot give up after becoming addicted.
Although technically MPs will have a free vote on the Tobacco and Vapes Bill this evening, as by convention it is a conscience issue, significant opposition among Conservatives would still be a blow to Mr Sunak’s authority.
There has been speculation that 50 Tories could go against the premier’s policy, but it is not in danger of being derailed due to Labour backing.
The legislation will ban tobacco sales to anybody born on or after January 1 2009, meaning no one under the age of 15 in England will be able to legally buy a cigarette (Stock Image)
Rishi Sunak is facing a revolt in his own party against his proposed smoking ban
The legislation would ban tobacco sales to anybody born on or after January 1 2009 – meaning children aged 15 or younger today will never legally be sold a cigarette in England.
It also gives the Government powers to tackle youth vaping, with restrictions on flavours and new rules on packaging and selling vapes.
Health Secretary Victoria Atkins kicked off the debate by insisting that smoking was causing huge suffering.
She told the Commons: ‘I totally understand the concerns of fellow Conservatives. We are not in the habit of banning things, we do not like that, and so we will only bring these powers in when we are convinced, following a no doubt robust debate with the intellectual self-confidence that we have to have such debates on this side of the House… we come to the conclusion that there is no liberty in addiction.
‘Nicotine robs people of their freedom to choose. The vast majority of smokers start when they are young, and three-quarters say that if they could turn back the clock they would not have started.’
She added: ‘That is why, through this Bill, we are creating a smoke-free generation that will guarantee that no-one who is turning 15 or younger this year will ever be legally sold tobacco, saving them from the misery of repeated attempts to give up, making our economy more productive and building an NHS that delivers faster, simpler and fairer care.
‘I would argue it is our responsibility, indeed our duty, to protect the next generation and this is what this Bill will do.’
But Ms Truss said the policy was ’emblematic of a technocratic establishment in this country that wants to limit people’s freedom’.
She added: ‘The problem is the instinct of this establishment, which is reflected by a cross-party consensus today in today’s chamber, is to believe that they, that the Government are better at making decisions for people than people themselves and I absolutely agree that that is true for the under 18s.
‘It is very important that until people have decision-making capability while they are growing up that we protect them. But I think the whole idea that we can protect adults from themselves is hugely problematic and it effectively infantilises people, and that is what has been going on.
‘And what we’re seeing, is we’re seeing not just on tobacco but also on sugar, also on alcohol, also on meat, a group of people who want to push an agenda which is about limiting people’s personal freedom, and I think that is fundamentally wrong.’
Conservative MP Alexander Stafford said the Government should not be ‘wasting our time talking about something that’s dying out anyway’, adding: ‘Young people aren’t smoking, it is not cool to smoke… what this Bill should be focused on is more on the vape side of things, on the illegal vapes, the super-charged vapes, the colourful, the flavourful vapes.
‘Instead, we are sitting here debating cigarettes that are naturally being gone out of existence anyway.’
But Ms Atkins replied: ‘Sadly, there is nothing inevitable about a decrease in smoking rates. Indeed in 2020, the United States saw the first increase in tobacco sales in 20 years and in Australia in 2022, the proportion of teenagers smoking increased for the first time in 25 years.’
She added: ‘Here in the United Kingdom, 100,000 children and young people take up smoking every year and so we must not be lulled into this sense of inevitability and security.’
Ms Atkins kicked off the debate by insisting that smoking was causing huge suffering
Earlier, former Cabinet minister Sir Simon Clarke said he is ‘both sceptical and downright opposed’ to the plans.
‘There are good ways to tackle a problem like this and then there are bad ways, and I think that an outright ban risks being counterproductive, I think it actually risks making smoking cooler, it certainly risks creating a black market, and it also risks creating a unmanageable challenge for the authorities,’ he told BBC Radio 4’s Today programme.
Sir Simon said education and the tax system should be used as tools to deter people from smoking.
Asked about opinion polls which show that two-thirds of people in Britain back a phased smoking ban – a figure which extends to 70 per cent among those who voted Conservative in 2019, https://bangcacloai.com/ Sir Simon said: ‘There are some things, of course, which are not necessarily philosophically or practically right which would command support in the opinion polls.
‘I think probably if you were to do an opinion poll on bringing back hanging you’d find that there was a significant proportion of people who backed it, that wouldn’t necessarily mean it was the right thing to do.’
Boris Johnson has branded the plan ‘absolutely nuts’, saying last week: ‘We’re banning cigars. What is the point of banning – the party of Winston Churchill wants to ban cigars… Donnez moi un break, as they say in Quebec. It’s just mad.’
Chief Medical Office Chris Whitty dismissed criticism saying many people cannot give up after becoming addicted
Despite the Tory opposition, Labour is set to whip in favour of the Bill meaning it will almost certainly pass.
The Government believes creating a ‘smokefree generation’ could prevent more than 470,000 cases of heart disease, stroke, lung cancer and other deadly diseases by the turn of the century.
Professor Whitty said: ‘Smoking kills and causes harm at all stages of life from stillbirths, asthma in children, stroke, cancer to heart attacks and dementia.
‘This Bill, if passed, will have a substantial impact – preventing disease, disability and premature deaths long into the future.’
Whatever fate awaits Erik ten Hag this summer, the number of Manchester United stars making an Old Trafford exit could hit double figures as new co-owners Ineos ring the changes.
Anthony Martial will leave as a free agent and he could be followed by Raphael Varane and Brandon Williams when their contracts run out in June. United must also decide whether to offer Jonny Evans and Tom Heaton extensions.
It’s anticipated that Sofyan Amrabat will be allowed to return to Fiorentina when his loan expires, with United unlikely to take up an option to sign the Moroccan for £21.4million.
United’s new hierarchy of chief executive Omar Berrada, football director Dan Ashworth and technical director Jason Wilcox is not yet in place, but decisions will have to be made over selling a number of big names as United look to comply with Financial Fair Play.
Industry sources have told Confidential that Casemiro, Antony, Christian Eriksen, Victor Lindelof and Aaron Wan-Bissaka are among those who could be sold, although there’s an understanding that it won’t be practical to offload too many at one time.
The number of stars leaving Manchester United this summer under new co-owners Ineos could hit double figures
Anthony Martial (L) will leave as a free agent, while Raphael Varane (R) is also out of contract
Casemiro (L) and Christian Eriksen (R) are among the under-contract players that could be sold
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There are also six players out on loan and Jadon Sancho, Mason Greenwood, Donny van de Beek, Facundo Pellistri, Hannibal Mejbri and Alvaro Fernandez could all make permanent moves.
The clear-out would make way for some of the young academy talent that has emerged under Ten Hag this season and a number of new signings this summer.
Even though FFP will squeeze the budget again, United are expected to be in the market for a striker, central midfielder and at least one if not two centre-backs and full-backs.
While Ineos continue to plan for the future with Ten Hag in charge, the situation remains fluid and is likely to hinge on how United finish this season.
Sunday’s FA Cup semi-final against Championship side Coventry City will be crucial in determining whether the Dutchman’s second campaign ends with a return to Wembley or continues to fizzle out.
Mason Greenwood, meanwhile, is one of a number of players out on loan that could too depart
Roche in budget Bernabeu recce
Manchester City fans flying back from their Champions League quarter-final in Madrid last week were surprised to see United’s chief operating officer Collette Roche on the budget Easyjet flight.
Confidential learns that Roche was taking a look at the spectacularly remodelled Bernabeu as part of her role on the taskforce exploring plans to regenerate Old Trafford.
Although the club have backed Sir Jim Ratcliffe’s vision to knock down the stadium and rebuild on the same site, the costs involved may force United to look at revamping Old Trafford instead.
It would involve overcoming significant obstacles and wouldn’t be cheap either – Real Madrid have spent £1.5billion giving the Bernabeu a makeover – but the taskforce are keeping both options on the table.
Before Ratcliffe’s investment, Roche would have been more likely to travel to Spain in business class. However, the efficiency drive being conducted by Ineos and their restructuring consultants Interpath to save money and invest in football means that even senior executives have to cut their cloth accordingly. Some have had their corporate credit cards withdrawn, and other employees no longer have access to chauffeur driven cars.
United’s chief operating officer Collette Roche made a trip to the Bernabeu to look at the remodelled stadium
Real have spent £1.5billion giving the Bernabeu a makeover, an option United’s own taskforce could use
Utd on trail of ‘Gustavinho’
A scout from United was in Porto Alegre last week to run the rule over Gremio left winger Gustavo Nunes, one of the latest rising stars to come out of Brazil.
Gustavinho, as he has been nicknamed by Gremio fans, only made his senior debut for the club in February but has already attracted interest from Manchester City, Liverpool and Arsenal.
The 18-year-old was a half-time substitute in Gremio’s 2-0 Copa Libertadores group defeat to Huachipato, so at least the scout didn’t have a wasted trip.
United are said to be putting greater focus on emerging South American talent in a bid to get more value for their money as Financial Fair Play continues to restrict the budget.
A scout from United was in Porto Alegre last week to watch Gremio left winger Gustavo Nunes
Ten Hag sticks to Wembley way
Stick to the plan is one of Ten Hag’s favourite phrases, and the United boss will follow his own advice when it comes to preparing for Sunday’s FA Cup semi-final against Coventry City.
United managers have taken different approaches to big games at Wembley in the past. Jose Mourinho, for instance, had his players training for two days at Fulham’s Motspur Park complex before the FA Cup semi against Tottenham in 2018 because United had played at Bournemouth in midweek.
But Ten Hag will follow a similar plan to last season when he conducted his pre-match press conference at Carrington before United travelled down to London, staying in the same hotel and training on university pitches before the FA Cup semi-final and final against Brighton and Manchester City.
Erik ten Hag will follow the same plan to last season when it comes to travelling to Wembley
United will conduct the pre-match press conference at Carrington before travelling down to London
U18s blaze trail for academy
There has been precious little for United fans to genuinely get excited about this season. That, however, does not apply to an academy set-up that is going to be the envy of rivals for years to come with so many bright talents looking capable of making the grade.
On Tuesday, United’s youngsters sealed the U18 Premier League North title with victory away to Wolves. United’s U18s have been a class apart under Adam Lawrence this season and can now complete the Double when they take on Man City in the Premier League Cup on April 23.
A look back at the last time United won the North league, they boasted a squad that included James Garner, Teden Mengi, Tahith Chong, Greenwood, Brandon Williams, Angel Gomes, Ethan Laird and more. Many of those have gone on to make it as a full-time professional, either at United for a while or elsewhere.
And the manager for the last U18s title win? That would be Kieran McKenna, the man now on the cusp of back-to-back promotions to reach the Premier League. So Lawrence’s current crop find themselves in esteemed company.
United’s youngsters, led by Adam Lawrence, sealed the U18 Premier League North title on Tuesday
Back Rooney for Beeb slot
Wayne Rooney’s public apology for pulling out of Saturday’s Match of the Day after hurting his back on holiday – and the subsequent acceptance by host Gary Lineker – only increases the chances of United’s record scorer being part of the BBC punditry team for this summer’s Euros.
The Beeb have courted Rooney for some time, believing his views will add credibility to their coverage. Not only was he also England’s top scorer until Harry Kane beat his record, but he has experienced massive highs and lows at the European Championship.
In 2004, he was regarded as the most exciting young player in the world as he took England to the quarter-finals in Portugal before he was struck down by injury. On the flip side, in 2016 he was part of Roy Hodgson’s side humiliated by Iceland.
Wayne Rooney took to social media to explain why he had to pull out of Match of the Day duty
It is however understood that the former Man United man could be a big part of the BBC punditry team for this summer’s Euros
Clampdown on rogue traders at OT
United’s last home game against Liverpool saw a crackdown on rogue traders and unlicensed products being sold around Old Trafford.
The operation, which was led by Trafford Council but involved Greater Manchester Police and United’s brand protection team, also targeted parking offences and taxis illegally plying for hire.
More than a hundred taxi drivers and street traders selling merchandise outside the stadium were spoken to before the game, and food hygiene was also tested at fast food stalls.
While United have no wish to drive small traders out of business, the club say they want to ensure there is both ‘quality and legality’ in the products being sold around the ground.
There was a crackdown on rogue traders and unlicensed products being sold around Old Trafford against Liverpool
Fans bowled over at Bournemouth
The issue of collecting returned tickets at an away match reared its head again on Saturday after a similar issue arose before United’s trip to Brentford two weeks ago.
United initially informed successful applicants for the game against Bournemouth that they would have to collect their tickets at the Vitality Stadium, before notifying them on April 4 that the collection point had been moved to the Bournemouth Indoor Bowls Centre – a five-minute walk from the away end.
Meanwhile, fans who missed out on a ticket in the initial ballot but managed to secure one at a later date after the club put some returned tickets back on sale were told they would have to collect theirs directly from the Vitality Stadium.
But the tickets were in fact held at the Bournemouth Indoor Bowls Centre, along with those for successful first ballot applicants, leading to some confusion.
Sources told Confidential in January that United will continue to ask fans to collect their tickets for selected away fixtures as they look to clamp down on them being passed on.
There were issues when it came to United fans collecting their tickets for the game against Bournemouth on Saturday
Tickets were held at the Bournemouth Indoor Bowls Centre, with the club looking to clamp down on them being passed on
Erik hoping history repeats itself
Ten Hag still has work to avoid one embarrassing record after Saturday’s draw at Bournemouth left United with a negative goal difference after 32 games.
Not since the early Sir Alex Ferguson side of 1989-90 have United finished a league campaign in which they have scored fewer goals than they have conceded. On that occasion, they netted 46 and let in 47 – a similar record to this season (47-48).
Fergie did have the silver lining of winning his first Old Trafford trophy, the FA Cup, in May 1990 and Ten Hag will hope that’s an omen ahead of their semi-final against Mark Robins’ Coventry City on Sunday.
United shot to pieces
Here’s a damning stat for you: the pitiful Derby County side which won just 11 points during the 2007-08 season had faced 526 shots by the 32nd game of the season. Now guess how many Erik ten Hag’s United have faced up to that same point – 574.
United conceded 20 shots in the 2-2 draw at Bournemouth on Saturday, taking their tally over the last six Premier League games to 157.
They have allowed their opponents at least 20 shots in each of those fixtures, the second-longest streak for a single team in Premier League history since Opta began tracking the metric in the 2003-04 season.
Blackpool remain the only side to have fared worst, allowing at least 20 shots in eight consecutive matches in their solitary top-flight campaign in 2010-11.
United have now faced more shots than the Derby County side that picked up just 11 points in the 2007-08 season
They have faced 157 shots over the last six Premier League games, with opponents allowed at least 20 in each fixture
You can swear by United fans
When Alejandro Garnacho landed himself in hot water at the weekend by ‘liking’ comments that appeared to undermine manager Erik ten Hag, it was a timely reminder of the perils awaiting Premier League stars on social media.
Now a new survey of fans using X-rated language online has put United third in a table of Premier League clubs. Wolves lead the way with Tottenham in second, followed by United who are narrowly ahead of Liverpool with 9.9 per cent of social media posts by their fans containing swear words.
Language learning platform Preply also used AI to analyse the sentiment of every profane comment based on positivity or negativity, with United finishing fifth.
The full results can be seen here – website
Alejandro Garnacho (pictured) ‘liking’ posts criticising Ten Hag was a reminder of the perils awaiting Premier League stars on social media
Friends reunited at U21s clash
Confidential headed down to Old Trafford on Friday night to see how the U21s fared against a Liverpool side eager to exact some revenge on behalf of the U18s after their 9-1 battering by United.
The press box was dominated by those of a Liverpool persuasion, but among the near 15,000-strong crowd there were plenty of familiar faces for United.
Tyler Blackett and Ashley Fletcher, two academy graduates from yesteryear, as well as Devonte Redmond, were in attendance as Travis Binnion’s side found themselves overrun in a 3-0 defeat.
The directors’ box was brimming with academy alumni, coaches, scouts and friends and family, but it was the ex-players that caught the eye.
Sources have said repeatedly that they believe United’s academy has quietly nurtured some of the country’s finest players that are ready to break through in the years to come – and many of those with links to the club are eager for an early look.
Former United academy star Tyler Blackett (R) was among a number of graduates who were in attendance to watch the United U21 team face Liverpool
Margaret Aspinall (pictured), whose son James died on the day of the Hillsborough disaster aged 18, spoke to United U12 and U13 players this week
Hillsborough mum educates kids
While there were memorial wreaths placed on each dugout during the U21s meeting at Old Trafford, as well as a perfectly observed minute’s silence, Hillsborough education has never been more important for United and clubs up and down the country.
Both United boss Erik ten Hag and https://bangcacloai.com/ Liverpool manager Jurgen Klopp called on supporters recently to cease with tragedy chanting following some unsavoury recent incidents at matches.
Education goes far beyond many of the adults that attend first-team games, and so United arranged for their U12s and U13s to have a special session at Liverpool’s training ground where they heard from a mother who lost her son during the Hillsborough disaster.
Margaret Aspinall, whose son James died that day aged 18, addressed the young academy players after one of United’s coaches had earlier given them an introduction to the disaster as well as the dangers and wrongdoing of tragedy chanting.
It may seem small but fans of the future can and will be more educated than those who have come before. For United, it’s about setting the tone on and off the pitch.
https://bangcacloai.com/ No. Please see the related questions below for “What rhymes with hands?” and “What rhymes with dance?”
Education experiences, social and https://bangcacloai.com/ cultural expectations, and religious beliefs are called Animism.
Harry Potter and the Order of the Phoenix or The Mist of Avalon or Eragon,or Eldest,or Brisinger another is the Mistborn series which is about 8 books long and
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