{"id":35352,"date":"2023-01-30T23:49:53","date_gmt":"2023-01-30T22:49:53","guid":{"rendered":"https:\/\/www.investglass.com\/?p=35352"},"modified":"2026-04-17T14:14:05","modified_gmt":"2026-04-17T12:14:05","slug":"hvordan-bankfolk-kan-handtere-pensionstillaeg-i-storbritannien","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/da\/how-bankers-can-manage-pension-lifetime-allowance-in-the-uk\/","title":{"rendered":"Hvordan kan bankfolk h\u00e5ndtere pensionstill\u00e6g i Storbritannien?"},"content":{"rendered":"

Den pension Livstidsfradrag (LTA)<\/strong> er gr\u00e6nsen for, hvor meget du kan spare op p\u00e5 din pension uden at skulle betale ekstra skat. Den blev fastfrosset p\u00e5 \u00a31,073,100 indtil april 2026<\/strong>, if\u00f8lge Gov.uk<\/a>.<\/p>\n\n\n\n

Overskridelse af LTA plejede at udl\u00f8se skatteafgifter p\u00e5 55%<\/strong> (engangsbel\u00f8b) eller 25%<\/strong> (indkomst), men i For\u00e5rsbudget 2023<\/strong>, annoncerede den britiske regering, at LTA ville blive afskaffet fra april 2024<\/strong>
(Gov.uk - Afskaffelse af LTA<\/a>).<\/p>\n\n\n\n

Pensionsfradraget er en gr\u00e6nse, som regeringen har sat for, hvor mange penge du m\u00e5 have i din pensionsfond, f\u00f8r der skal betales skat af dem. Denne gr\u00e6nse blev indf\u00f8rt i 2006 og ligger i \u00f8jeblikket p\u00e5 \u00a31.073.100. Den er fastfrosset p\u00e5 dette niveau indtil 2026, hvor den vil blive revideret igen.<\/p>\n\n\n\n

Hvad er det livsvarige fradrag?<\/h2>\n\n\n\n

Pensionsfradraget er en gr\u00e6nse, som regeringen har sat for, hvor mange penge du m\u00e5 have i din pensionsfond, f\u00f8r der skal betales skat af dem. Denne gr\u00e6nse blev indf\u00f8rt i 2006 og ligger i \u00f8jeblikket p\u00e5 \u00a31.073.100. Alle bidrag, du indbetaler over dette bel\u00f8b, bliver beskattet med 25%, s\u00e5 det er vigtigt at holde sig inden for gr\u00e6nsen, hvis du vil maksimere din pensionsopsparing.<\/p>\n\n\n\n

SIPP'er (Self-Invested Personal Pensions) er en type pensionsordning, som giver dig mulighed for at tr\u00e6ffe dine egne beslutninger om, hvordan investeringerne i din pensionsfond forvaltes. Det er en effektiv m\u00e5de at forvalte dine pensionsbidrag p\u00e5 og giver st\u00f8rre fleksibilitet end andre traditionelle ordninger.<\/p>\n\n\n\n

En SIPP er en skatteeffektiv personlig pensionsordning, der giver dig mulighed for at opbygge din pensionsfond med det form\u00e5l at give st\u00f8rre afkast end andre pensionsordninger. Det er dog vigtigt at bem\u00e6rke, at alle indbetalinger, der overstiger pensionstill\u00e6gget, vil blive p\u00e5lagt en h\u00f8jere skat. InvestGlass digitale formular kan bruges til at lette digital onboarding<\/a> til SIPP og f\u00f8lg nemt dine bidrag.<\/p>\n\n\n\n

Hvad sker der, hvis jeg overskrider det livsvarige fradrag?<\/h2>\n\n\n\n

Hvis du indbetaler mere til din pensionsfond, end du har ret til, skal du betale skat. Det g\u00e6lder ogs\u00e5, selv om din samlede pensionsopsparing er mindre end det livsvarige fradrag, n\u00e5r du g\u00e5r p\u00e5 pension.<\/p>\n\n\n\n

Den skat, der skal betales, afh\u00e6nger af, om du har \u2018fleksible ydelser\", som giver dig mulighed for at h\u00e6ve engangsbel\u00f8b fra din pensionsfond. Hvis du har fleksible ydelser, vil skatten v\u00e6re 25% af bel\u00f8bet over livstidsfradraget. Hvis ikke, vil det v\u00e6re 55%.<\/p>\n\n\n\n

Den bedste m\u00e5de at undg\u00e5 at overskride det livsvarige fradrag er at holde styr p\u00e5 dine indbetalinger og s\u00f8rge for, at de ikke overskrider gr\u00e6nsen.<\/p>\n\n\n\n

Hvordan ved jeg, om jeg har overskredet den livsvarige ydelse?<\/h2>\n\n\n\n

Den bedste m\u00e5de at finde ud af, om du har overskredet livsfradraget, er at holde styr p\u00e5 alle dine indbetalinger p\u00e5 tv\u00e6rs af forskellige pensioner. Det kan du g\u00f8re ved at gennemg\u00e5 den samlede pensionsopsparing, som din pensionsudbyder har oplyst, eller ved at bruge et v\u00e6rkt\u00f8j som f.eks. en online investeringssporingsplatform som InvestGlass.<\/p>\n\n\n\n

Vi foresl\u00e5r, at du bruger InvestGlass CRM- og kampagnev\u00e6rkt\u00f8jer til at administrere disse tilskudsprogrammer. Kampagnev\u00e6rkt\u00f8jet er meget nyttigt til at overv\u00e5ge og spore kundernes fremskridt, mens CRM giver dig mulighed for at gemme alle relevante data p\u00e5 \u00e9t sted og f\u00e5 adgang til dem, n\u00e5r du har brug for det.<\/p>\n\n\n\n

Hvordan kan fastfrysningen af det livsvarige fradrag p\u00e5virke mine klienter?<\/h2>\n\n\n\n

Regeringens beslutning om at fastfryse pensionstill\u00e6gget indtil 2026 kan f\u00e5 indflydelse p\u00e5 din pensionsopsparing, hvis du planl\u00e6gger at foretage store indbetalinger i l\u00f8bet af de n\u00e6ste par \u00e5r. Da gr\u00e6nsen forbliver p\u00e5 \u00a31.073.100 i denne periode, kan alle bidrag over dette bel\u00f8b blive p\u00e5lagt en skatteafgift. Der er m\u00e5der at h\u00e5ndtere dine pensioner p\u00e5, hvis du n\u00e6rmer dig gr\u00e6nsen, f.eks. ved at overveje andre typer investeringer, stoppe indbetalingerne eller tage imod dine pensionsydelser tidligere end forventet.<\/p>\n\n\n\n

Hvad skal jeg g\u00f8re, hvis mine kunder n\u00e6rmer sig det livsvarige fradrag?<\/h2>\n\n\n\n

Hvis du n\u00e6rmer dig det livsvarige fradrag, er det vigtigt at overveje dine muligheder. Du kan stoppe med at indbetale, investere i andre typer af investeringer som aktier og anparter eller tage imod dine pensionsydelser tidligere end planlagt. Det er dog vigtigt at s\u00f8ge r\u00e5d hos en finansiel r\u00e5dgiver, f\u00f8r du tr\u00e6ffer beslutninger om din pensionsopsparing.<\/p>\n\n\n\n

Pensioner kan v\u00e6re et v\u00e6rdifuldt v\u00e6rkt\u00f8j til planl\u00e6gning af arveafgift (IHT). Arveafgift er en skat p\u00e5 overf\u00f8rsel af formue ved d\u00f8d, som g\u00e6lder for nogle gaver og aktiver, der g\u00e5r i arv fra en generation til den n\u00e6ste.<\/p>\n\n\n\n

Det er vigtigt at tage h\u00f8jde for pensioner, n\u00e5r man vurderer sit bo i forhold til arveafgiften. Pensionsbidrag indg\u00e5r i den samlede v\u00e6rdi af en persons bo, og ethvert bidrag over livstidsfradraget kan v\u00e6re skattepligtigt.<\/p>\n\n\n\n

Hvilke andre typer investeringer kan jeg bruge?<\/h2>\n\n\n\n

Hvis du n\u00e6rmer dig livsydelsen og vil undg\u00e5 at overskride den, er der andre investeringer, du kan overveje. Investering i aktier og anparter er en mulighed, som kan give et passende afkast med lavere risiko end andre investeringer. Det kan g\u00f8res gennem en b\u00f8rsm\u00e6gler eller en online handelsplatform som InvestGlass.<\/p>\n\n\n\n

Aktier og anparter<\/strong><\/p>\n\n\n\n

Individuelle opsparingskonti (ISA'er) er en god m\u00e5de at spare op og investere penge skattefrit. De tilbyder en attraktiv kombination af fleksibilitet og skatteeffektivitet, s\u00e5 du kan spare op til \u00a320.000 op hvert skatte\u00e5r i kontanter og aktier i en hvilken som helst kombination.<\/p>\n\n\n\n

Med en kontant ISA kan du tjene renter p\u00e5 din opsparing skattefrit, mens en aktie-ISA giver dig mulighed for at investere i aktiemarkedet skattefrit.<\/p>\n\n\n\n

Ejendom<\/strong><\/p>\n\n\n\n

Investering i fast ejendom kan give et attraktivt afkast med lavere risiko end andre investeringer. Buy-to-let-ejendomme er en popul\u00e6r m\u00e5de at g\u00f8re dette p\u00e5, da de typisk giver h\u00f8jere afkast end andre investeringer.<\/p>\n\n\n\n

N\u00e5r man investerer i ejendomme, er det vigtigt at sikre sig, at man har en god forst\u00e5else af det lokale marked og de potentielle risici, der er forbundet med investeringen. Du b\u00f8r ogs\u00e5 s\u00f8rge for at tegne en passende forsikring for din ejendom og dine lejere.<\/p>\n\n\n\n

Hvad er det n\u00e6ste, der sker med digitaliseringen af livsvarige ydelser?<\/h2>\n\n\n\n

Den bedste m\u00e5de at administrere dit pensionsfradrag p\u00e5 er at holde styr p\u00e5 alle dine bidrag p\u00e5 tv\u00e6rs af forskellige pensioner eller ved at bruge et v\u00e6rkt\u00f8j som f.eks. en online investeringssporingsplatform. Hvis du n\u00e6rmer dig pensionsfradraget og gerne vil undg\u00e5 eventuelle skatteafgifter, er der andre typer investeringer, som kan v\u00e6re velegnede for dig, f.eks. aktier og ISA'er og ejendomsinvesteringer.<\/p>\n\n\n\n

Banker og formueforvaltere er i stigende grad p\u00e5 udkig efter m\u00e5der at udnytte teknologi p\u00e5 for at kunne give deres kunder den bedst mulige service. InvestGlass er en af de teknologier, der kan hj\u00e6lpe banker og formueforvaltere med at n\u00e5 dette m\u00e5l. InvestGlass er en innovativ, cloudbaseret teknologi, der g\u00f8r det muligt for finansielle institutioner at tilbyde deres kunder et omfattende overblik over deres investeringer, s\u00e5 de nemt kan overv\u00e5ge deres livsvarige pensionstill\u00e6g.<\/p>","protected":false},"excerpt":{"rendered":"

The pension Lifetime Allowance (LTA) is the limit on how much you can save in your pension without facing extra tax charges. It was frozen at \u00a31,073,100 until April 2026, according to Gov.uk. Exceeding the LTA used to trigger tax charges of 55% (lump sum) or 25% (income), but in the Spring Budget 2023, the UK government announced the LTA would be abolished from April […]<\/p>\n","protected":false},"author":1,"featured_media":35353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[376,375],"class_list":["post-35352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-isas","tag-manage-pension-lifetime-allowance"],"yoast_head":"\nManage Pension Lifetime Allowance Effectively<\/title>\n<meta name=\"description\" content=\"The pension Lifetime Allowance (LTA) is the limit on how much you can save in your pension without facing extra tax charges. It was frozen\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/da\/hvordan-bankfolk-kan-handtere-pensionstillaeg-i-storbritannien\/\" \/>\n<meta property=\"og:locale\" content=\"da_DK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How bankers can manage pension lifetime allowance in the UK?\" \/>\n<meta property=\"og:description\" content=\"The pension Lifetime Allowance (LTA) is the limit on how much you can save in your pension without facing extra tax charges. 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