@moneystocker: Are you adding enough to your pension? This rule of thumb is great because it shows how starting early saves you money in the long run. It says you should contribute half of your age, as a percentage of your income, into your pension. And the age you start determines the percentage you’ll contribute for life. If you start at 20, contributing 10% (as the rule suggests), then even at 50 you still only need to contribute 10% of your salary. But if you don’t start until 50, you’ll need to put away 25% of your salary to catch up. That’s because you won’t have as much time for compounding investment returns to do the heavy lifting. That’s where your returns start generating their own returns. The reality? Most people are contributing the bare minimum to their pension, if anything at all. And any pension projection will show you that 3% simply isn’t enough for a comfortable retirement. The good news: you might be surprised how little increasing your contributions affects your take-home pay, thanks to employer matching and tax relief (see the video for more!). So, my advice: start early, start now! Not financial advice, capital at risk. Guideline only. #pension #retirement #retirementplanning #PersonalFinance

James | Money Stocker
James | Money Stocker
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Wednesday 24 September 2025 12:30:11 GMT
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allenout
allenout :
This is untrue, is half at the age you started contributing to your pension, so if you start at 20, its 10% for the rest of your life, not increasing to 30% when you are 60 etc.
2025-09-25 15:37:15
152
njones.09
Jones :
so if i’m 18 and put 9% in my pension do i only put 9% in for my life?
2025-09-25 16:29:52
58
mixalis_235
mixalis :
shouldn't it be the opposite like your age the percentage and the older you grow the less you put in because the more you put in the beginning the more time it will have to compound and grow?
2025-09-26 16:33:19
0
roligtnamnja
Nej :
Bro I just have public pension and employer pension. Im fine.
2025-09-25 21:56:28
0
oldmoney.aestheticx
Old Money :
pensions are a scam if you're young, I'm 24, pension age will be mid 70s by the time I get there, also the working population will halve and the retired one will double by that time, so where is that money coming from
2025-09-25 18:26:10
0
siegfrieds_soggy_
Throngler :
And what if I don't even have a job?
2025-10-01 13:36:43
1
user18347291919437
rheowhwj th22owh :
im 18 earning roughly 35k and i put in 11%. the company also put 9% in so 20% overall every month
2025-09-25 17:49:51
20
silverfalcon333
Craig F445 :
I started contributing when I was born, that why I invest 0%
2025-09-26 16:57:55
0
the.boss8269
the Boss :
Two rules, first you must have a job, second you must keep control of your life style, don’t then you have no chance of retiring
2025-09-25 20:11:59
19
gats11114
gats11114 :
I’d rather have a vault full of gold and bit coin, I don’t fancy working until I’m 74 just because the gov or private pension says so
2025-09-26 23:44:58
0
paradoxxbackup
🪢🫘💊𝓟𝓪𝓻𝓪𝓭𝓸𝔁𝔁🔨🕳️🧬 :
i started putting 5% at 10y im now 42 still putting 5%
2025-09-26 16:02:27
0
angelicfluffyy
AngelicFluffy :
I seriously doubt I will even live long enough to enjoy the pension
2025-09-27 07:25:55
0
dannymoyse2
Danny Moyse :
Im 33 and do 20%
2025-09-25 18:58:40
0
felix31979
Felix :
Wouldn’t it be smarter to just put the money into a stocks and shares ISA and let it compound over time? Considering all the tax benefits and you can withdraw the money whenever you want
2025-09-29 11:03:05
0
agimeacht
tomheart :
I don't get it even with minimum pension contributions you'll still have 700k+ at 55 with the current level of returns which is more than enough for a mortgageless pensioner to live a good quality of life with the state pension and other forms of savings
2025-09-30 06:57:55
0
gamgee382
Gamgee :
5% through state to get the extra 3% from work then 10% into private.
2025-09-25 22:14:45
0
jamie_cxo
Jamie :
I’m in 4% and employer 27% 😅
2025-09-25 17:23:42
0
ra1der__
ra1der🐧 :
I've been doing 100 a month haha
2025-09-26 12:36:27
0
rjakes84
Rob :
There is just a massive push into private pensions since it helps the Gov reduce state pension and cut taxes
2025-09-27 13:56:40
0
adamappol
adamappol :
i remember thinking i wouldnt need this as a kid, somehow become a millionaire before it matters. as I grew older (mid 20s) i realized life is just gonna be this, except ill have more back pain and feel more exhausted. since then i contribute 16%
2025-09-26 00:22:33
0
cardinalbazza
Barry Archer :
How many 20yo's think about themselves being pension age. Not even on thier radar.
2025-09-25 06:40:48
1
_tiffany_._._._
Tiffany :
Most employers do no such thing
2025-09-25 21:35:37
0
ashmills158
ashmills158 :
I’ve put in 5% and my employer 10% for the last 10 years, since 18
2025-09-25 19:06:03
1
laurenr9596
user1882171872723 :
I put in 3% from ages 20-28 and now I’m doing combined 21% now from age 29 is this ok?
2025-09-26 12:08:27
0
ruidhari
Ruidhari :
me 7% employer 16% boom...😁
2025-09-25 15:58:43
0
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