I. Occupational pension

Simply put, you can deduct some money from your salary and deposit it in your pension account. At the same time, your employer also needs to put the corresponding money into your account, and you can withdraw your occupational annuity after retirement. The money in the occupational annuity is always in the personal name, so the account of the occupational annuity is like a personal bank account, bearing the full love of the company and the government.

Only when you reach a certain age (generally 60-65 years old, the earliest 55 years old) can you withdraw money from it. Although it can't be taken out now, the money in the occupational annuity account can be invested and managed, and all the investment income after retirement belongs to individuals. It is not the government that helps you manage your pension investment, but the pension fund company. Pension has a good advantage, that is, tax exemption and double tax exemption. The money you put into your pension account from your income is tax-free, but you need to pay tax when you take it out, but 25% of it is tax-free, and the remaining 75% must pay personal income tax. Your pension fund company invests this money, and most of the income you get from it is tax-free.

Second, the national pension

After retirement, if you meet certain requirements, you will get a national pension subsidized by the British government. After 06/04/20 16, the British government carried out a drastic and comprehensive reform of the "national pension" system. Applicable to citizens who meet the national pension application standards after this date.

The NI record of this decade does not need to be a continuous decade. Ten years later, the final amount of the national pension will increase by 4.55 pounds for each year of increase. After 35 years, you can get a weekly pension of 159.55 and live a quiet life.

Chapter II Climatic Conditions of British Immigrants

The climate in Britain is defined as temperate maritime climate, which includes four different seasons of equal length-spring, summer, autumn and winter. Because this island country is surrounded by the sea, the climate is changeable and unpredictable, which means the weather is changing every day. One day it may be sunny and the next day it may rain. Generally speaking, Britain is warm in summer and cool in winter. Before you immigrate to Britain, let's have a comprehensive understanding of the local climate.

There are several important factors that will affect the weather in parts of Europe. Summer is cooler than other European countries, mainly due to the influence of north latitude and proximity to the Atlantic Ocean. These conditions do not allow it to be so hot in summer. Winter is affected by the Gulf Stream. It warms the water on land and makes the weather higher than the average temperature in this part of the world.

Regional climate differences in Britain can be easily divided into the following four categories:

Northwest-cool in summer, mild in winter and rainy all year round.

Northeast China-cool in summer, cold in winter and no rain all year round.

Southeast-warm in summer and mild in winter, with light rain all year round, especially in summer.

Southwest-warm in summer, mild in winter, rainy all year round, especially in winter.

These weather differences depend on the latitude of the area and the surrounding waters. Latitude has a great influence on climate, making the south hotter and the north colder. It is bordered by celtic sea and the Irish Sea in the west, the North Sea in the east, the North Atlantic in the north and the English Channel in the south.

Northern Ireland and western Scotland are most vulnerable to the air quality at sea, which will bring cool and humid air. Eastern Scotland and northeastern England are more susceptible to continental polar air masses, which bring cold and dry air. Southern and southeastern England are more susceptible to the influence of continental tropical air masses, bringing warm and dry air. Wales and southwest England are most vulnerable to tropical air masses at sea, which bring warm and humid air.

In this temperate maritime climate, the temperature in Britain is not lower than 0 degrees Celsius in winter and not higher than 32 degrees Celsius in summer. The average annual temperature at low altitude ranges from 7℃ in shetland islands in northern Scotland to 1 1℃ on the southwest coast of England. The coldest place is Ben Nevis, and the average temperature is below 0℃. The coldest months are 1 month and February, and the hottest months are July and August. Usually, in Scotland and Northern Ireland, the temperature in summer is about 3℃ lower than that in England and Wales.

Rainfall:

The rainfall in Britain depends on the seasons, but generally speaking, it is one of the wettest countries in Europe, and the seasonal rainfall in the northern region is greater than the annual rainfall in some Mediterranean countries. Evenly distributed throughout the year. The driest season of the year is late winter/early spring, especially in February and March. October to January is autumn/winter. The wettest area in England is the Lake District, with an average annual rainfall of 330 cm. The rainfall in the west and north of England is about 102 cm, while the rainfall on the east coast is the least, with an average of 5 1 cm.

Humidity:

Although the rainfall in Britain is very high, the humidity in this country is not as high as expected. This is mainly because there is no high temperature in summer. The annual average humidity dropped from the lowest 70% in southern England to 92% in central and northern England.

Clothing:

Because the daily weather in this country is the most unpredictable, there is no general dress code for different seasons. For anyone visiting Britain, the most important suggestion is undoubtedly stratification. The wisest way to solve this uncertain weather is to prepare short-sleeved and long-sleeved T-shirts, pullovers and coats. In this way, you can easily put them together in different ways and take them off when necessary. Raincoats and umbrellas are useful things to carry around in this rainy country.

Environment in Britain:

British immigrants can rest assured that there are no serious weather and environmental risks in Britain. This part of the earth is famous for hurricanes, tsunamis or earthquakes in East Asia or North America. There are no active volcanoes in Britain. Generally speaking, there is no huge environmental risk in Europe. The country with active volcano is Iceland, which lies between two tectonic plates.

Article 3 British immigration methods

First, invest in immigration.

Application: family members of high-asset groups, investment direction

2 million pounds of direct investment-the British investment immigrant visa is suitable for those who want to immigrate through investment in the UK. Applicants must hold at least 2 million pounds of funds, have no English language requirements, and can obtain permanent residency after 5 years.

Specific requirements:

1. Applicants applying for immigration must be at least 18 years old, and their spouses and children under 18 years old can accompany them.

2. All applicants have no criminal record.

All the applicants passed the physical examination.

4. Invest 2 million yuan to buy government bonds, corporate bonds or stocks; The term is 5 years, and the principal and income will be recovered after 5 years.

5. There is 2 million pounds of liquidity in the name of the applicant, and the source is reasonable.

Second, entrepreneurial immigrants.

Application: family members of high-asset groups, entrepreneurial orientation

With the British government gradually opening the door for high-asset people from outside the EU to enter the UK, British entrepreneur migration is gradually known by more and more people, and it has become the most economical way for China applicants to immigrate to the UK. This method is suitable for people who want to start a business in Britain. The visa holder can only engage in the commercial operation of the application project during his stay in the UK. Entrepreneurial immigrants require applicants to have at least 200,000 pounds of working capital to invest in local British enterprises or start their own businesses.

Specific requirements:

1. Principal applicant 16 years old; Spouses and/kloc-children under the age of 0/8 can accompany them.

2./kloc-applicants over 0/8 years old have no criminal record.

All the applicants passed the physical examination.

4. The applicant's name should be at least 200,000 pounds of working capital, which can be used to invest in local British enterprises or start their own businesses.

5. Adequate living allowance: the principal applicant 33 10, and the subordinate applicant 1890.

6. Obtain a bachelor's degree or above from a British university, or the language level must reach IELTS 4.

Third, the work visa.

Application: Excellent British graduates, guaranteed by employers, employment-oriented.

Specific requirements:

1. Obtain visa guarantee from qualified companies;

2. The annual salary reaches the corresponding amount required by the Ministry of the Interior;

3. Meet the English language requirements of the Ministry of the Interior;

4. hold a certain amount of funds that can maintain life in the uk.