ANNOUNCEMENT : ALL OF ROYAL MAIL'S EMPLOYMENT POLICIES (AGREEMENTS) AT A GLANCE (Updated 2021)... HERE

ANNOUNCEMENT : PLEASE BE AWARE WE ARE NOT ON FACEBOOK AT ALL!

November Budget

Royal Mail pension news and discussion.Please note the advise given in this forum is unofficial, please use the links we have for a more detailed response or see an independent financial adviser.
mjd24
Posts: 1402
Joined: 11 May 2008, 18:48

Re: November Budget

Post by mjd24 »

Tman wrote:
07 Dec 2025, 18:51
That's the sort of stat that certain sections of the media like to spout when the difficult immigration figures are published.
(And the inept and idiotic Starmer and co, of course}
Meaningless and misleading as the baseline or datum for the 80% isn't accurate.
The government or Home Office have freely admitted that they don't know how many are under the radar and uncountable, and working in the gig economy.
The media barely give a mention to the quite frankly rather huge figure of an 80% decrease. Can you imagine the coverage for an 80% increase?

It is so predictable that those so desperate for immigration to plummet are questioning the validity of the statistics now that it has.
milly
MAIL CENTRES/PROCESSING
Posts: 1246
Joined: 14 Sep 2007, 09:43

Re: November Budget

Post by milly »

mjd24 wrote:
22 Dec 2025, 05:26
Tman wrote:
07 Dec 2025, 18:51
That's the sort of stat that certain sections of the media like to spout when the difficult immigration figures are published.
(And the inept and idiotic Starmer and co, of course}
Meaningless and misleading as the baseline or datum for the 80% isn't accurate.
The government or Home Office have freely admitted that they don't know how many are under the radar and uncountable, and working in the gig economy.
The media barely give a mention to the quite frankly rather huge figure of an 80% decrease. Can you imagine the coverage for an 80% increase?

It is so predictable that those so desperate for immigration to plummet are questioning the validity of the statistics now that it has.
You don't understand statistics, lol.
Tman
Posts: 4120
Joined: 21 Oct 2007, 09:57

Re: November Budget

Post by Tman »

Wilfully naive, I thought..
mjd24
Posts: 1402
Joined: 11 May 2008, 18:48

Re: November Budget

Post by mjd24 »

Can you guys explain what you mean? Are you suggesting that UK net migration has not plummeted recently?

In the year ending March 2023 net migration peaked at a high of 944’000.

Estimates from the ONS suggest this figure had fallen to 204’000 by end June 2025.

So clearly the rate of net migration has dropped massively during that time.

Thats not to ignore the fact that by most experts analysis, the UK desperately needs more people to move here due to our aging population.

Anyway, fill your boots with your responses that blithely ignore what i would regard as the facts. Its clear to me that two conflicting sides can view seemingly factual or even video evidence in almost totally opposite ways with both fully believing their point of view to be “the truth”. Perhaps once more of us realise that most are not being deliberately dishonest or insincere in their arguments, we will all see the light.
milly
MAIL CENTRES/PROCESSING
Posts: 1246
Joined: 14 Sep 2007, 09:43

Re: November Budget

Post by milly »

mjd24 wrote:
11 Jan 2026, 16:08
Can you guys explain what you mean? Are you suggesting that UK net migration has not plummeted recently?

In the year ending March 2023 net migration peaked at a high of 944’000.

Estimates from the ONS suggest this figure had fallen to 204’000 by end June 2025.

So clearly the rate of net migration has dropped massively during that time.

Thats not to ignore the fact that by most experts analysis, the UK desperately needs more people to move here due to our aging population.

Anyway, fill your boots with your responses that blithely ignore what i would regard as the facts. Its clear to me that two conflicting sides can view seemingly factual or even video evidence in almost totally opposite ways with both fully believing their point of view to be “the truth”. Perhaps once more of us realise that most are not being deliberately dishonest or insincere in their arguments, we will all see the light.
Inflation was over 10% in Jan 2023 and by Jan 2025 it was 3%.
That's a massive drop, did the price of goods and services go down or did they keep increasing at a slower rate?
Now apply the same logic to your drop in immigration.
The only reason they want more immigrants is because the UK economy is nothing more than a socialist ponzi scheme.
heapsy
Posts: 2935
Joined: 02 Jun 2007, 23:40
Gender: Male
Location: Drinking with Gangsters

Re: November Budget

Post by heapsy »

milly wrote:
11 Jan 2026, 16:22
mjd24 wrote:
11 Jan 2026, 16:08
Can you guys explain what you mean? Are you suggesting that UK net migration has not plummeted recently?

In the year ending March 2023 net migration peaked at a high of 944’000.

Estimates from the ONS suggest this figure had fallen to 204’000 by end June 2025.

So clearly the rate of net migration has dropped massively during that time.

Thats not to ignore the fact that by most experts analysis, the UK desperately needs more people to move here due to our aging population.

Anyway, fill your boots with your responses that blithely ignore what i would regard as the facts. Its clear to me that two conflicting sides can view seemingly factual or even video evidence in almost totally opposite ways with both fully believing their point of view to be “the truth”. Perhaps once more of us realise that most are not being deliberately dishonest or insincere in their arguments, we will all see the light.
Inflation was over 10% in Jan 2023 and by Jan 2025 it was 3%.
That's a massive drop, did the price of goods and services go down or did they keep increasing at a slower rate?
Now apply the same logic to your drop in immigration.
The only reason they want more immigrants is because the UK economy is nothing more than a socialist ponzi scheme.
Correct. The idea that we need more immigrants is a feeble attempt to deflect attention away from the real issues.

1 the cost of living is sky high, it is putting people off starting a family.
2 housing is unaffordable for the majority, the very people who keep the country ticking over. Just what is a definition of "affordable"?
3 far too many people were brainwashed into further education. This means huge debt, being unable to afford housing and unable to start a family. See points 1 & 2.
4 immigrants have been given a leg up, benefits, housing etc, which UK born people have not had.
5 it may be true that immigrants may be prepared to do some work, that UK born people wont, due to low wages, but mass immigration lowers wages across the board. Even graduates do not earn fantastic salaries. History backs this point. COVID drove up wages in some sectors, as people left in search of work. The same happened when plague swept through Europe.
6 finally, the benefit system traps people, as it is too generous, making work less desirable, as benefits are tax free, even if they are more than a persons personal tax code. There is also an endless flow of money, ie, no time limit or end date. So no incentive to work.
Last edited by heapsy on 18 Mar 2026, 21:34, edited 1 time in total.
RobertT
EX ROYAL MAIL
Posts: 6622
Joined: 09 Sep 2007, 14:26
Gender: Male

Re: November Budget

Post by RobertT »

RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Links to all RM pension related websites are here
sweepster70
Posts: 487
Joined: 24 Jul 2017, 23:16
Gender: Male

Re: November Budget

Post by sweepster70 »

RobertT wrote:
16 Mar 2026, 09:54
RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Fingers crossed on this one.
This Labour government is the worse I have known. They seem to despise the working man and woman, especially the one's who are able to put a little away for a better retirement. It's as though they want you to be poor.
yellowbelly
Posts: 3626
Joined: 23 Jun 2015, 15:51
Gender: Male

Re: November Budget

Post by yellowbelly »

sweepster70 wrote:
16 Mar 2026, 11:42
RobertT wrote:
16 Mar 2026, 09:54
RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Fingers crossed on this one.
This Labour government is the worse I have known. They seem to despise the working man and woman, especially the one's who are able to put a little away for a better retirement. It's as though they want you to be poor.
It's because they need the money NOW. The fact that it will possibly mean less well off pensioners in the future will be a future Governments problem. They'll be sat, isolated from the real world, writing their memoirs, pontificating on how poorly the current Government of the future will be doing and none of it was their fault, while drawing on their taxpayer funded pension.

Edit: I include politicians of all flavours in the above statement.
TopperGas
Posts: 3282
Joined: 13 Feb 2021, 22:46
Gender: Male

Re: November Budget

Post by TopperGas »

yellowbelly wrote:
16 Mar 2026, 16:55
sweepster70 wrote:
16 Mar 2026, 11:42
RobertT wrote:
16 Mar 2026, 09:54
RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Fingers crossed on this one.
This Labour government is the worse I have known. They seem to despise the working man and woman, especially the one's who are able to put a little away for a better retirement. It's as though they want you to be poor.
It's because they need the money NOW. The fact that it will possibly mean less well off pensioners in the future will be a future Governments problem. They'll be sat, isolated from the real world, writing their memoirs, pontificating on how poorly the current Government of the future will be doing and none of it was their fault, while drawing on their taxpayer funded pension.

Edit: I include politicians of all flavours in the above statement.
Surely there's better targets for the Government than your average worker, such as the likes of Amazon, Costa and the banks?
Tman
Posts: 4120
Joined: 21 Oct 2007, 09:57

Re: November Budget

Post by Tman »

Much better targets, but then that's what a "real" Labour gov't would supposedly do.
This bunch of useless thick-as-sh*t Metro Elite career politicians have only one target...to stay in power, no matter what a crappy job they're making of running the country.
Labour in name only.
RobertT
EX ROYAL MAIL
Posts: 6622
Joined: 09 Sep 2007, 14:26
Gender: Male

Re: November Budget

Post by RobertT »

sweepster70 wrote:
16 Mar 2026, 11:42
RobertT wrote:
16 Mar 2026, 09:54
RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Fingers crossed on this one.
This Labour government is the worse I have known. They seem to despise the working man and woman, especially the one's who are able to put a little away for a better retirement. It's as though they want you to be poor.
The Commons have overturned those amendments, so it goes back to the Lords..... :crazy:
https://www.pensionsage.com/pa/Commons- ... dments.php
Links to all RM pension related websites are here
sweepster70
Posts: 487
Joined: 24 Jul 2017, 23:16
Gender: Male

Re: November Budget

Post by sweepster70 »

RobertT wrote:
29 Mar 2026, 12:26
sweepster70 wrote:
16 Mar 2026, 11:42
RobertT wrote:
16 Mar 2026, 09:54
RobertT wrote:
26 Nov 2025, 15:01
the introduction of the £2,000 annual salary sacrifice cap from April 2029, will mean anyone paying more than around £38 per week into their RM pensions/AVC's will pay more NIC's.
Anyone who's paying AVC's and was disappointed in the decision to cap salary sacrifice at £2,000 per year from April 2029, might be interested to know the bill related to that is currently going through parliament.

The Lords have proposed an amendment which increases the limit to £5,000 and also a cap exemption for basic rate tax payers.

For those amendments to become part of the finished bill, the Commons needs to agree, and they're due to consider them on 23rd March.

https://www.pensionsage.com/pa/Industry ... reform.php
Fingers crossed on this one.
This Labour government is the worse I have known. They seem to despise the working man and woman, especially the one's who are able to put a little away for a better retirement. It's as though they want you to be poor.
The Commons have overturned those amendments, so it goes back to the Lords..... :crazy:
https://www.pensionsage.com/pa/Commons- ... dments.php
I wouldn't expect anything less from this government.