Lucus a non lucendo. skip-generation giving. Starting in April 2027, unspent pension pots will be taxed as part of estates,

 80歲的退休公務員布萊爾·希爾頓（Blair Hilton）繞過了兩個成年子女，將財富留給了孫子。他說，他的孩子已經成家立業，不需要贈予，年輕一代則可以從中受益。

他的選擇反映了英國一種日益增長的趨勢，即隔代捐贈。隨著遺產稅規則的收緊，越來越多的祖父母將錢留給孫子女。

SunLife的一項研究發現，過去五年中，四分之一的50歲以上的英國人贈予了巨額禮物，平均金額為2萬英鎊。近三分之一的人將禮物贈予了孫輩，通常用於生日、學費或嬰兒費用。

政策變革正在進一步推動這項轉變。從2027年4月開始，未動用的退休金將作為遺產的一部分徵稅，這將使數千個家庭被納入該體系。

希爾頓每月有4000英鎊的退休金。支付完帳單後，他將剩餘的退休金存入每個孫子女的投資信託基金。

他的孩子們仍將繼承他價值40萬英鎊的房產，這使得他的遺產在贈予減少現金持有量後仍能保持在稅收門檻以下。

對希爾頓來說，這個計畫既實用又貼心。它既能減少未來的稅務負擔，又能讓他的孫輩們在教育或購買首套房方面搶佔先機。

Blair Hilton, an 80-year-old retired civil servant, is bypassing his two adult children and leaving his wealth to his grandchildren. He says his kids are already established and do not need gifts, while the younger generation could use the boost.

His choice reflects a growing trend in Britain known as skip-generation giving. More grandparents are directing money to grandchildren as inheritance-tax rules tighten.

A study by SunLife found that a quarter of Britons over 50 gave significant gifts in the past five years, averaging £20,000. Nearly a third targeted grandchildren, often for birthdays, tuition, or baby costs.

Policy changes are pushing the shift further. Starting in April 2027, unspent pension pots will be taxed as part of estates, adding thousands more households to the system.

Hilton has a £4,000 monthly pension. After bills, he funnels the surplus into investment trusts for each grandchild.

His children will still inherit his £400,000 home, which keeps the estate under tax thresholds after gifts reduce cash holdings.

For Hilton, this plan is both practical and personal. It trims future tax liabilities while giving his grandchildren a head start on education or a first home.

在英國，「退休金池」是指您和/或雇主繳納的款項加上任何投資成長，為您的退休儲蓄的總金額。這是固定繳款（或「貨幣購買」）退休金的常用術語，這種退休金的價值會隨著投資而波動，直到您退休。您可以使用這個退休金池來為退休生活提供資金，通常是提取現金、購買年金或使用收入提取。

退休金池包含哪些內容？

您的繳款：您存入退休金的資金。

雇主繳款：您的雇主存入您的退休金的資金。

政府補充（稅收減免）：稅收減免是政府額外添加到您的退休金儲蓄中的一項繳款。

投資成長：您的退休金池的價值會根據其投資表現而成長或縮水。

退休金池不包含哪些內容？

國家退休金：這是一項由政府提供的單獨福利，不屬於您的個人或工作場所退休金池。

運作方式

繳款：您和您的雇主共同繳納退休金。

投資：這筆錢將投資於股票（股權）和債券等各種資產。

增值：隨著時間的推移，這些投資會不斷成長，從而增加您的退休金儲備金的價值。

退休：當您達到退休年齡（目前為55歲，2028年4月將升至57歲）時，您可以動用您的退休金儲備金來獲得收入

In the UK, a "pension pot" is the total sum of money saved for your retirement from contributions made by you and/or your employer, plus any investment growth. It's a common term for defined contribution (or "money purchase") pensions, where your pot's value fluctuates with investments until you retire. This pot is what you use to fund your retirement, often by taking out cash, buying an annuity, or using income drawdown.  

What's included in a pension pot?

• Your contributions: The money you put into your pension. 
• Employer contributions: Money your employer contributes to your pension. 
• Government top-ups (tax relief): Tax relief is an additional contribution the government adds to your pension savings. 
• Investment growth: The value of your pension pot grows or shrinks based on how its investments perform. 

What's NOT included in a pension pot? 

• The State Pension: This is a separate government-provided benefit and is not part of your personal or workplace pension pot.

How it works

1. Contributions: You and your employer pay into your pension scheme. 
2. Investment: The money is invested in various assets like shares (equities) and bonds. 
3. Growth: Over time, these investments can grow, increasing the value of your pot. 
4. Retirement: When you reach retirement age (currently 55, rising to 57 in April 2028), you can access your pot to provide an income. 

AI 概覽

Lucus a non lucendo 是一個拉丁語短語，意為“一片不發光的樹林”，常被用來指對某事物做出荒謬或不合邏輯的解釋，尤其指詞源與該詞含義相反的解釋。這個短語源自古羅馬語法學家昆體良 (Quintilian)，他用它來描述一個荒謬的觀點：拉丁語 lūcus（意為「樹林」）源自於動詞 lūcēre（發光），因為樹林本身黑暗，不發光。

短語解析：

Lucus：拉丁語，意為神聖的樹林或聖地。

a non lucendo：拉丁語，意為「不發光」或「因為不發光」。

意思和用法：

荒謬的詞源：核心含義指的是荒謬的詞源推導，例如，將“樹林”解釋為來自動詞“發光”，因為樹林本身就是黑暗的。

不合邏輯的論證：該短語也用於描述任何形式的不合邏輯的論證或與前提相反的結論。

荒謬的代名詞：到了18世紀，該短語已成為廣泛認可的術語，指任何荒謬或荒謬的假設或解釋。

AI Overview

Lucus a non lucendo is a Latin phrase meaning "a grove from not shining" and serves as a byword for an absurd or illogical explanation for something, particularly an etymology that suggests the opposite of what the word implies. The phrase originates from the ancient Roman grammarian Quintilian, who used it to describe the ridiculous idea that the Latin word lūcus (meaning "grove") was derived from the verb lūcēre (to shine) because groves were dark and did not emit light. 

Breaking down the phrase:

• Lucus: Latin for a sacred grove or wood. 
• a non lucendo: Latin for "from not shining" or "because of not shining". 

Meaning and usage:

• Absurd Etymology: 

  The core meaning refers to a nonsensical etymological derivation, like explaining "grove" as coming from the verb "to shine" because a grove is inherently dark. 
• Illogical Argument: 

  The phrase is also used to describe any form of illogical argument or a conclusion that is the opposite of what the premise suggests. 
• Byword for Ridiculousness: 

  By the 18th century, the phrase became a widely recognized term for any ludicrous or preposterous hypothesis or explanation.