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State pensions - saving for retirement

 
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dagi



Joined: 01 Jan 2004
Posts: 425

PostPosted: Sun Jul 02, 2006 8:58 pm    Post subject: State pensions - saving for retirement Reply with quote

This is a question for those who are from other EU countries. I currently live in the Netherlands and that is the only country where I paid into the state pension fonds for a longer time. The Dutch pensions fonds offers voluntary contributions to their system if you move out of the country. The sum you have to pay is based on your gros income, but at the end of the day it is still quiet a big sum if you live in Turkey.
In my case I would have to contribute between 100-150� a month! (on top of that I have to pay off my study loan as well)

I wonder if it is worth doing it, maybe one day Turkey will join the EU and then I could transfer whatever I paid into the Turkish system to any EU country. Turkey already has some agreements about transfering state pension contribution to other EU states, but it is difficult to find information about it and your employer needs to be willing to put up with all the paper work.

Do you guys do anything to get prepared for retirement? Does someone know s.th. about transfering pension fonds contributions?
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thrifty



Joined: 25 Apr 2006
Posts: 1665
Location: chip van

PostPosted: Mon Jul 03, 2006 6:06 am    Post subject: Reply with quote

No
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thrifty



Joined: 25 Apr 2006
Posts: 1665
Location: chip van

PostPosted: Mon Jul 03, 2006 6:06 am    Post subject: Reply with quote

No
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tekirdag



Joined: 13 Jul 2005
Posts: 505

PostPosted: Mon Jul 03, 2006 7:56 am    Post subject: Reply with quote

Quote:
your employer needs to be willing to put up with all the paper work.


This would be very hard to find in Turkey.
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scot47



Joined: 10 Jan 2003
Posts: 15343

PostPosted: Thu Jul 06, 2006 4:39 am    Post subject: Reply with quote

If anyone has worrked and paid National Insurance in the UK it is worth investigating whether or not you can continue paying.

PM me for my spin on this.
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dagi



Joined: 01 Jan 2004
Posts: 425

PostPosted: Thu Jul 06, 2006 9:44 am    Post subject: Reply with quote

Scot, would you be willing to share your information in this thread? I think it's good to know for all those Europeans who work in Turkey and maybe you have some information that get's others started.

In Holland you have to ask for an overview of your pensions before you leave, then you can ask the Social Security Office to send you an offer about voluntary payments. Within a year after you left the country you need to decide wether you want to voluntary pay into the system or not. This is possible for everyone who lived in the NL, you don't need to be Dutch citizen.

Turky does have an agreement with Germany and if you pay into the Turkish system you can get everything transfered to the German system. Although, by the time you managed to fill in those German forms you are ready for retirement Smile
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dmb



Joined: 12 Feb 2003
Posts: 8397

PostPosted: Thu Jul 06, 2006 6:27 pm    Post subject: Reply with quote

http://www.dwp.gov.uk/lifeevent/benefits/recip_health_pdfs/2005/sa22-oct05.pdf

^ that's a link for a pdf file from the dwp about the social security agreement between the UK and Turkey.
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thrifty



Joined: 25 Apr 2006
Posts: 1665
Location: chip van

PostPosted: Thu Jul 06, 2006 10:02 pm    Post subject: Reply with quote

dagi wrote:
Scot, would you be willing to share your information in this thread? I think it's good to know for all those Europeans who work in Turkey and maybe you have some information that get's others started.

In Holland you have to ask for an overview of your pensions before you leave, then you can ask the Social Security Office to send you an offer about voluntary payments. Within a year after you left the country you need to decide wether you want to voluntary pay into the system or not. This is possible for everyone who lived in the NL, you don't need to be Dutch citizen.

Turky does have an agreement with Germany and if you pay into the Turkish system you can get everything transfered to the German system. Although, by the time you managed to fill in those German forms you are ready for retirement Smile


How naiive to think that all of us get our social security paid for.

For example the largest employer of TEFLers in Turkey does not pay social security for its employees.
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Henry_Cowell



Joined: 27 May 2005
Posts: 3352
Location: Berkeley

PostPosted: Thu Jul 06, 2006 10:12 pm    Post subject: Reply with quote

thrifty,

When do you think you'll be able to retire? Where?
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scot47



Joined: 10 Jan 2003
Posts: 15343

PostPosted: Fri Jul 07, 2006 8:06 am    Post subject: thrifty Reply with quote

thrifty

I can arrange a place for you in the Sunshine Retirement Home for Alien Species (including Earthlings) in the Constellation Sigma Centauri.
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tvik



Joined: 18 Apr 2006
Posts: 371
Location: here

PostPosted: Fri Jul 07, 2006 11:36 am    Post subject: Reply with quote

if he's thrifty then he doesn't need social security
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thrifty



Joined: 25 Apr 2006
Posts: 1665
Location: chip van

PostPosted: Fri Jul 07, 2006 5:16 pm    Post subject: Reply with quote

I intend to TEFL as long as I can and then go back to the UK and throw myself on the state. Although I have not paid any National Insurance stamps they will have to give me something and inshallah that will be enough to buy offal with.
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thrifty



Joined: 25 Apr 2006
Posts: 1665
Location: chip van

PostPosted: Sat Jul 08, 2006 1:35 pm    Post subject: Reply with quote

You do not get enough of a pension to live on even if you day pay National Insurance. How naive of you to think that pensioners all get enough to live on.
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