Glossary entry (derived from question below)
Dutch term or phrase:
pensioenrichtleeftijd
English translation:
target retirement age
Added to glossary by
Bracha de Man
Jul 21, 2021 07:23
2 yrs ago
28 viewers *
Dutch term
experienced, reliable and reasonable
Native in: English 
Works in: Dutch to English, Hebrew to English, English to Dutch, and 3 more.
pensioenrichtleeftijd
Dutch to English
Bus/Financial
Human Resources
Pension
A rather urgent question. To me this seems like a new term and I have looked endlessly for an English translation.
It means, according the Central Planning Office, a government agency:
It is the age that is set by the government and used by pension funds for calculating the annual maximum allowed fiscal pension accrual and the pension contribution for the auxiliary pension.
Hope to get a quick answer due to imminent deadline. Many thanks in advance.
It means, according the Central Planning Office, a government agency:
It is the age that is set by the government and used by pension funds for calculating the annual maximum allowed fiscal pension accrual and the pension contribution for the auxiliary pension.
Hope to get a quick answer due to imminent deadline. Many thanks in advance.
Proposed translations
(English)
| 5 | target retirement age |
Julia Thompson
|
| 4 +4 | standard retirement age |
Ruchira Raychaudhuri
|
| 3 +2 | actuarial retirement age (for tax purposes) |
Kitty Brussaard
|
| 4 -1 | retirement age |
Marouchka Heijnen
|
Proposed translations
2 hrs
Julia Thompson
United Kingdom
United Kingdom
Native in English
United Kingdom
Professional Dutch to English Translator
Native in: English (Variants: US, British)
Works in: Dutch to English, Flemish to English, English
Related KudoZ points
:
4
Selected
target retirement age
Hi Bracha,
This is the term you're looking for. I've enclosed an online reference.
This is the term you're looking for. I've enclosed an online reference.
Example sentence:
The target retirement age (pensioenrichtleeftijd) is 67 in occupational plans (rising to 68 in 2018).
Peer comment(s):
| neutral |
writeaway
: any other refs to back so much confidence? /I tried to post a ref here but there wasn't enough space. This may or may not be correct. I am still not 100% certain
1 hr
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This should explain the concept behind TRA as opposed to normal retirement age: https://member.railwayspensions.co.uk/in-the-scheme/paying-i...
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| neutral |
Barend van Zadelhoff
: I believe the translation in your ref is incorrect, since TRA means something completely different in the UK, related to personal lifestyle choice: https://tinyurl.com/yhxhnvc2
3 days 8 hrs
|
4 KudoZ points awarded for this answer.
Comment: "Thank you very much"
-1
20 mins
Marouchka Heijnen
Spain
Spain
Native in Dutch
&
English
Specializes in field
Spain
Financial and Technical translation
Native in: Dutch (Variant: Netherlands) , English (Variants: UK, US) 
Works in: Dutch to English, Spanish to English, English to Spanish, and 6 more.
retirement age
Pensioenrichtleeftijd is the age at which you stop accruing your pension.
Reference:
Peer comment(s):
| disagree |
M van Dijk
: The definition 'age at which you stop accruing your pension' seems to be specific for the ABN Amro pension scheme. In general, 'pensioenrichtleeftijd' is a fiscal construct to calculate the fiscal max accrual, but the accrual usually doesn't stop then.
3 days 5 hrs
|
+4
1 hr
Ruchira Raychaudhuri
Belgium
Belgium
Native in English
Specializes in field
Belgium
Related KudoZ points
:
4
standard retirement age
According to the Juridisch-Economisch Lexicon (a pretty reliable source):
pensioenrichtleeftijd:
- standard retirement age (m.b.t. Algemene Ouderdomswet (AOW), the General Old Age Pensions Act)
- assumed retirement date (m.b.t. verzekeringen)
pensioenrichtleeftijd:
- standard retirement age (m.b.t. Algemene Ouderdomswet (AOW), the General Old Age Pensions Act)
- assumed retirement date (m.b.t. verzekeringen)
Peer comment(s):
| agree |
writeaway
: it's a reliable enough source except for Belgian Dutch
3 hrs
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True, it can throw up some strange stuff for Belgium :) Thanks.
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| agree |
Tina Vonhof (X)
7 hrs
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Thanks Tina
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| agree |
Edith Kelly
9 hrs
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Thanks Edith
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| agree |
Cillie Swart
: Yes makes sense
1 day 2 hrs
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Thanks Cillie
|
+2
4 days
Kitty Brussaard
Netherlands
Netherlands
Native in Dutch
Specializes in field
Netherlands
Business Language Solutions
Native in: Dutch (Variant: Netherlands)
Works in: English to Dutch, Dutch to English, Dutch
Related KudoZ points
:
75
actuarial retirement age (for tax purposes)
Posting this answer post-grading because I feel the correct answer in the given context hasn't been posted yet. See also M van Dijk's peer comment on 'retirement age' ("In general, 'pensioenrichtleeftijd' is a fiscal construct to calculate the fiscal max accrual") as well as the various definitions and explanations in Barend van Zadelhoff's reference comment. As suggested there, 'reference retirement age' might also work in this context.
Here's an example from the English-language website of the NN CDC Pensioenfonds:
On 1 January 2018, the retirement age for Dutch state pension (AOW) has risen to 66. With effect from that date, the required actuarial retirement age for tax purposes has risen from 67 to 68. These changes follow from legislation that applies to all pension funds.
The actuarial retirement age is also set to rise gradually. This refers to the age that is used to determine the maximum amount of tax-deductible pension a person is allowed to build up under Dutch tax law. The actuarial retirement age is not equal to the AOW retirement age, although its rise is related to the rise of the AOW retirement age.
https://nn.cdcpensioen.nl/en/news/actuarial-retirement-age-a...
The increase in the state pension age and the actuarial retirement age has also brought about a need for measures to ensure that people are still in good health by the time they retire.
https://ec.europa.eu/info/sites/default/files/2020-european-...
Here's an example from the English-language website of the NN CDC Pensioenfonds:
On 1 January 2018, the retirement age for Dutch state pension (AOW) has risen to 66. With effect from that date, the required actuarial retirement age for tax purposes has risen from 67 to 68. These changes follow from legislation that applies to all pension funds.
The actuarial retirement age is also set to rise gradually. This refers to the age that is used to determine the maximum amount of tax-deductible pension a person is allowed to build up under Dutch tax law. The actuarial retirement age is not equal to the AOW retirement age, although its rise is related to the rise of the AOW retirement age.
https://nn.cdcpensioen.nl/en/news/actuarial-retirement-age-a...
The increase in the state pension age and the actuarial retirement age has also brought about a need for measures to ensure that people are still in good health by the time they retire.
https://ec.europa.eu/info/sites/default/files/2020-european-...
Peer comment(s):
| agree |
Barend van Zadelhoff
: Seems to be a translation based on function/use, rather than linguistics/'etymology'. :-)
4 hrs
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Thank you, Barend.
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| agree |
sindy cremer
: yes, it's also called 'pensioenrekenleeftijd'.
1 day 10 hrs
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Indeed, you're absolutely right. Thank you, Sindy!
|
Reference comments
2 hrs
Jack den Haan
Netherlands
Netherlands
Native in Dutch
&
English
Netherlands
Qualified engineer, translator & teacher
Native in: Dutch , English (Variants: UK, US)
Works in: Dutch to English, English to Dutch
Related KudoZ points
:
22
Reference:
Financieel Economisch Lexicon
standard pensionable age
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Note added at 2 hrs (2021-07-21 09:49:14 GMT)
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@Asker: No idea Bracha, and no time to further investigate. Can't imagine this translation being incorrect in a USA context though.
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Note added at 2 hrs (2021-07-21 09:49:14 GMT)
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@Asker: No idea Bracha, and no time to further investigate. Can't imagine this translation being incorrect in a USA context though.
Note from asker:
| Thank you Jack, do you know if this term is used in the USA (as opposed to UK English)? |
3 hrs
Michael Beijer
United Kingdom
United Kingdom
Native in English
Specializes in field
United Kingdom
Experienced technical/patent translator
Native in: English (Variants: British, US)
Works in: Dutch to English, Flemish to English, English to Dutch, and 2 more.
Related KudoZ points
:
48
Reference:
refs
FELOnline:
pensioenrichtleeftijd [richtleeftijd voor pensionering; rekenleeftijd] =
• target retirement age
• standard retirement age
• actuarial retirement age
Juridisch-Economisch Lexicon:
pensioenrichtleeftijd =
(m.b.t. AOW) standard retirement age
(verz.) assumed retirement date
pensioenrichtleeftijd [richtleeftijd voor pensionering; rekenleeftijd] =
• target retirement age
• standard retirement age
• actuarial retirement age
Juridisch-Economisch Lexicon:
pensioenrichtleeftijd =
(m.b.t. AOW) standard retirement age
(verz.) assumed retirement date
Peer comments on this reference comment:
| agree |
M van Dijk
3 days 2 hrs
|
| agree |
Kitty Brussaard
: In the given context, 'actuarial retirement age' seems the best translation to me as the other options are more ambiguous.
4 days
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| agree |
Barend van Zadelhoff
: actuarial retirement age
10 days
|
5 hrs
Reference:
fwiw/hth
De pensioenrichtleeftijd is de leeftijd die het richtsnoer is voor fiscale toelaatbaarheid van de pensioenregeling.
https://www.wybenga-advocaten.nl/wyblog/2018/11/22/de-pensio...
pensioenrichtleeftijd
Leeftijd waarop iemand met pensioen gaat volgens een bepaalde pensioenregeling en waarbij geen gebruik is gemaakt van de mogelijkheid om eerder of later met pensioen te gaan.
Bron: ondernemersunited.nl
https://www.betekenis-definitie.nl/pensioenrichtleeftijd
https://www.wybenga-advocaten.nl/wyblog/2018/11/22/de-pensio...
pensioenrichtleeftijd
Leeftijd waarop iemand met pensioen gaat volgens een bepaalde pensioenregeling en waarbij geen gebruik is gemaakt van de mogelijkheid om eerder of later met pensioen te gaan.
Bron: ondernemersunited.nl
https://www.betekenis-definitie.nl/pensioenrichtleeftijd
2 days 10 hrs
Barend van Zadelhoff
Netherlands
Netherlands
Native in Dutch
Netherlands
TR is the most intimate act of reading.
Native in: Dutch
Works in: English to Dutch, Dutch to English, Dutch
Related KudoZ points
:
31
Reference:
reference retirement age?
'richt' sounds like 'reference'
reference retirement age?
Wat is de pensioenrichtleeftijd?
De pensioenrichtleeftijd is een rekeneenheid die pensioenfondsen gebruiken voor de bepaling van het fiscaal maximale pensioen. De pensioenrichtleeftijd is puur een getal en staat los van uw feitelijke pensioendatum.
Per 1 januari 2018 is de pensioenrichtleeftijd verhoogd van 67 naar 68 jaar. Deze verhoging is het gevolg van de toenemende levensverwachting.
https://ambtenarensalaris.nl/kennisbank/algemeen/wat-is-de-p...
De AOW-leeftijd is (in 2019) 66 jaar en 4 maanden, en kan jaarlijks verhoogd worden. De jaarlijkse verhoging betekent bijvoorbeeld dat iemand die in 2018 30 jaar oud is een verwachte pensioenrichtleeftijd heeft van 71 jaar. De pensioenrichtleeftijd (rekenleeftijd bij pensioenopbouw, onder meer in verband met fiscale faciliëring) is vanaf 2018: 68 jaar voor mensen die in 2018 of in de 9 jaren erna die leeftijd bereiken[6].
Pensioenrekenleeftijd en pensioenrichtleeftijd
De mate waarin een ouderdomspensioen is opgebouwd kan worden uitgedrukt in een bruto bedrag per maand of jaar, samen met een leeftijd waarop het pensioen ingaat. Deze leeftijd wordt de pensioenrekenleeftijd genoemd. Als het pensioen op een andere leeftijd ingaat kan het bedrag worden omgerekend volgens algemene actuariële normen. Ook moeten voor het optellen van pensioenaanspraken de pensioenrekenleeftijden gelijk gemaakt worden, dus als deze verschillen moet op minstens een van beide pensioenaanspraken omrekening worden toegepast.
De pensioenrichtleeftijd is een wettelijk vastgestelde pensioenrekenleeftijd (Wet op de loonbelasting 1964, art. 18a, 6e lid), sinds 2018 68 jaar, die gebruikt wordt bij het formuleren van fiscale normen ten aanzien van de aftrekbaarheid van pensioenpremie, en vrijstelling van het pensioenkapitaal van heffing in box 3.
Een pensioenfonds hanteert vaak als pensioenrekenleeftijd de wettelijke pensioenrichtleeftijd. Bij een wijziging van de pensioenrichtleeftijd worden reeds opgebouwde pensioenaanspraken dan omgerekend naar de nieuwe pensioenrichtleeftijd.
https://nl.wikipedia.org/wiki/Pensioen#Pensioenrekenleeftijd...
Via Philips or Signify you participate in the flex pension of Philips Pensioenfonds and you accrue a retirement pension. The reference retirement age is 68 years, but you can choose your own retirement age. Your retirement pension supplements the state pension (AOW), which you receive from the government when you reach the AOW retirement age.
https://philipspensioenfonds.nl/en/your-pension/pension-123/...
There will, however, be a reduction for those people who retire before the age of 65, which is the "normal retirement age". This reduction will be introduced step by step, beginning in the year 2001. The following will first describe the general approach, and then the transition period for gradually increasing the "reference retirement age" up to the age of 65.
The reductions will make early retirement more expensive for those who will leave the workf orce before the "reference retirement age", i. e. at the end of the transition period age 65. In comparison to the present law, reductions before age 65, as well as additions to the pension after age 65, will be changed. Technically this will be done by introducing an additional factor into the pension formula. This so called "entrance factor" (EF) will be 1 at every "reference retirement age"
https://link.springer.com/content/pdf/10.1057/gpp.1992.4.pdf
Implementing the measures designed to keep people in work for longer, as set out in the Prévoyance vieillesse 2020 reform proposal. In the longer term, the possibility of raising the reference retirement age by indexing it to life expectancy, as in most OECD countries, should be considered.
https://www.oecd.org/els/emp/AR_SWITZERLAND.pdf
Lot of G-hits for 'reference retirement' : https://tinyurl.com/3j22xbxm
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 17:53:23 GMT)
--------------------------------------------------
I mean, Lot of G-hits for 'reference retirement age'
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 17:58:45 GMT)
--------------------------------------------------
Abstract
An important feature in the debate on French pensions reform is whether or not it is necessary to keep a reference retirement age in the new system. This brief aims to contribute to the debate by clarifying certain ambiguities about the concept of retirement age and by discussing the potential implications of implementing a points system. We stress the difference between the impact of reference ages in the current system – those ages changing the pension scale of the system – and implementing reference points in the new system, such points playing a useful part in informing the future pensioners.
https://ideas.repec.org/p/hal/journl/halshs-02516417.html
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 18:04:52 GMT)
--------------------------------------------------
In France, while the minimum retirement age is maintained at 62 years, a reference age (âge d’équilibre) will be introduced to serve as the retirement age at which the point value is computed for a given birth cohort. People of the same cohort but retiring earlier or later would have a penalty or bonus applied to this value, respectively. According to the draft law, the reference retirement age would be linked to life expectancy, with two-thirds of changes in life expectancy being passed on. Pensions in payments will be indexed to prices. The cost and value of the point would be indexed to the average income per capita (i.e. accounting for both wages of employees and incomes of self-employed workers) from 2045, after a transition phase starting with price indexation in 2025. It would have been preferable to follow the (long-term) rule from the start and adjust the initial point cost and point value accordingly.
https://www.intereconomics.eu/contents/year/2020/number/2/ar...
--------------------------------------------------
Note added at 2 days 11 hrs (2021-07-23 18:25:21 GMT)
--------------------------------------------------
Last one :-)
State retirement age by 2024
The past few years have seen the state retirement age in the Netherlands steadily increasing. This has to date been done by fixed increments, which it will continue to do until year-end 2021, whereas from 2022 onwards the state retirement age will be linked to the life expectancy trend. The average residual life expectancy of an individual aged 65 serves as the basis for the annual assessment of whether the state retirement age should be increased. If it is decided that this would be appropriate, the relevant announcement will be made five years in advance. The Dutch Minister of Social Affairs and Employment has announced that rather than being ratcheted up, the state retirement age for 2024 will be retained at its then level of 67 years and three months. Although the residual life expectancy will turn out greater in 2024 than it was in previous years, the increase has been deemed insufficient to warrant a further increase in state retirement age.
It is the reference retirement age – linked as it is to life expectancy in a similar manner as is the state retirement age and remaining unchanged, at 68 years, throughout 2020 – which serves as the point of departure where it concerns the tax treatment of supplementary pension schemes.
https://www.koppelservices.com/state-retirement-age-by-2024/
reference retirement age?
Wat is de pensioenrichtleeftijd?
De pensioenrichtleeftijd is een rekeneenheid die pensioenfondsen gebruiken voor de bepaling van het fiscaal maximale pensioen. De pensioenrichtleeftijd is puur een getal en staat los van uw feitelijke pensioendatum.
Per 1 januari 2018 is de pensioenrichtleeftijd verhoogd van 67 naar 68 jaar. Deze verhoging is het gevolg van de toenemende levensverwachting.
https://ambtenarensalaris.nl/kennisbank/algemeen/wat-is-de-p...
De AOW-leeftijd is (in 2019) 66 jaar en 4 maanden, en kan jaarlijks verhoogd worden. De jaarlijkse verhoging betekent bijvoorbeeld dat iemand die in 2018 30 jaar oud is een verwachte pensioenrichtleeftijd heeft van 71 jaar. De pensioenrichtleeftijd (rekenleeftijd bij pensioenopbouw, onder meer in verband met fiscale faciliëring) is vanaf 2018: 68 jaar voor mensen die in 2018 of in de 9 jaren erna die leeftijd bereiken[6].
Pensioenrekenleeftijd en pensioenrichtleeftijd
De mate waarin een ouderdomspensioen is opgebouwd kan worden uitgedrukt in een bruto bedrag per maand of jaar, samen met een leeftijd waarop het pensioen ingaat. Deze leeftijd wordt de pensioenrekenleeftijd genoemd. Als het pensioen op een andere leeftijd ingaat kan het bedrag worden omgerekend volgens algemene actuariële normen. Ook moeten voor het optellen van pensioenaanspraken de pensioenrekenleeftijden gelijk gemaakt worden, dus als deze verschillen moet op minstens een van beide pensioenaanspraken omrekening worden toegepast.
De pensioenrichtleeftijd is een wettelijk vastgestelde pensioenrekenleeftijd (Wet op de loonbelasting 1964, art. 18a, 6e lid), sinds 2018 68 jaar, die gebruikt wordt bij het formuleren van fiscale normen ten aanzien van de aftrekbaarheid van pensioenpremie, en vrijstelling van het pensioenkapitaal van heffing in box 3.
Een pensioenfonds hanteert vaak als pensioenrekenleeftijd de wettelijke pensioenrichtleeftijd. Bij een wijziging van de pensioenrichtleeftijd worden reeds opgebouwde pensioenaanspraken dan omgerekend naar de nieuwe pensioenrichtleeftijd.
https://nl.wikipedia.org/wiki/Pensioen#Pensioenrekenleeftijd...
Via Philips or Signify you participate in the flex pension of Philips Pensioenfonds and you accrue a retirement pension. The reference retirement age is 68 years, but you can choose your own retirement age. Your retirement pension supplements the state pension (AOW), which you receive from the government when you reach the AOW retirement age.
https://philipspensioenfonds.nl/en/your-pension/pension-123/...
There will, however, be a reduction for those people who retire before the age of 65, which is the "normal retirement age". This reduction will be introduced step by step, beginning in the year 2001. The following will first describe the general approach, and then the transition period for gradually increasing the "reference retirement age" up to the age of 65.
The reductions will make early retirement more expensive for those who will leave the workf orce before the "reference retirement age", i. e. at the end of the transition period age 65. In comparison to the present law, reductions before age 65, as well as additions to the pension after age 65, will be changed. Technically this will be done by introducing an additional factor into the pension formula. This so called "entrance factor" (EF) will be 1 at every "reference retirement age"
https://link.springer.com/content/pdf/10.1057/gpp.1992.4.pdf
Implementing the measures designed to keep people in work for longer, as set out in the Prévoyance vieillesse 2020 reform proposal. In the longer term, the possibility of raising the reference retirement age by indexing it to life expectancy, as in most OECD countries, should be considered.
https://www.oecd.org/els/emp/AR_SWITZERLAND.pdf
Lot of G-hits for 'reference retirement' : https://tinyurl.com/3j22xbxm
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 17:53:23 GMT)
--------------------------------------------------
I mean, Lot of G-hits for 'reference retirement age'
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 17:58:45 GMT)
--------------------------------------------------
Abstract
An important feature in the debate on French pensions reform is whether or not it is necessary to keep a reference retirement age in the new system. This brief aims to contribute to the debate by clarifying certain ambiguities about the concept of retirement age and by discussing the potential implications of implementing a points system. We stress the difference between the impact of reference ages in the current system – those ages changing the pension scale of the system – and implementing reference points in the new system, such points playing a useful part in informing the future pensioners.
https://ideas.repec.org/p/hal/journl/halshs-02516417.html
--------------------------------------------------
Note added at 2 days 10 hrs (2021-07-23 18:04:52 GMT)
--------------------------------------------------
In France, while the minimum retirement age is maintained at 62 years, a reference age (âge d’équilibre) will be introduced to serve as the retirement age at which the point value is computed for a given birth cohort. People of the same cohort but retiring earlier or later would have a penalty or bonus applied to this value, respectively. According to the draft law, the reference retirement age would be linked to life expectancy, with two-thirds of changes in life expectancy being passed on. Pensions in payments will be indexed to prices. The cost and value of the point would be indexed to the average income per capita (i.e. accounting for both wages of employees and incomes of self-employed workers) from 2045, after a transition phase starting with price indexation in 2025. It would have been preferable to follow the (long-term) rule from the start and adjust the initial point cost and point value accordingly.
https://www.intereconomics.eu/contents/year/2020/number/2/ar...
--------------------------------------------------
Note added at 2 days 11 hrs (2021-07-23 18:25:21 GMT)
--------------------------------------------------
Last one :-)
State retirement age by 2024
The past few years have seen the state retirement age in the Netherlands steadily increasing. This has to date been done by fixed increments, which it will continue to do until year-end 2021, whereas from 2022 onwards the state retirement age will be linked to the life expectancy trend. The average residual life expectancy of an individual aged 65 serves as the basis for the annual assessment of whether the state retirement age should be increased. If it is decided that this would be appropriate, the relevant announcement will be made five years in advance. The Dutch Minister of Social Affairs and Employment has announced that rather than being ratcheted up, the state retirement age for 2024 will be retained at its then level of 67 years and three months. Although the residual life expectancy will turn out greater in 2024 than it was in previous years, the increase has been deemed insufficient to warrant a further increase in state retirement age.
It is the reference retirement age – linked as it is to life expectancy in a similar manner as is the state retirement age and remaining unchanged, at 68 years, throughout 2020 – which serves as the point of departure where it concerns the tax treatment of supplementary pension schemes.
https://www.koppelservices.com/state-retirement-age-by-2024/
Peer comments on this reference comment:
| agree |
Kitty Brussaard
: Great refs! I'd post 'reference retirement age' as an answer. It' seems like a correct answer in the given context, together with 'actuarial retirement age (for tax purposes)'. I'll post the latter option myself.
20 hrs
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Thank you, Kitty. Not my field of expertise, but was intrigued by 'richt' in 'pensioenrichtleeftijd' and ended up with 'reference'. Asker opted for 'target', which I checked and imo is incorrect: personal choice vs. regulatory provision.
|
Discussion
Your Normal Retirement Age is usually between 60 and 65, depending on your employer’s pension section rules.
However, if you are invested in a Lifestyle strategy, you should think about choosing a Target Retirement Age (TRA). This could be from age 50 if you have a Protected Pension Age. For all other members, your earliest TRA can be from age 55, and the latest is up to age 75.
A Lifestyle strategy automatically moves your contributions into investment funds which are thought best for your circumstances. The aim is to protect your Personal Retirement Account from sudden swings in the markets, by gradually switching your investments from higher growth to more stable funds. This process starts ten years before your TRA.
Make sure you are invested in funds that suit your circumstances - sign in to myRPS to change your TRA. Please remember to review your TRA regularly in case your retirement plans change.
https://member.railwayspensions.co.uk/in-the-scheme/paying-i...