{"id":45866,"date":"2022-07-05T03:32:57","date_gmt":"2022-07-05T03:32:57","guid":{"rendered":"https:\/\/adamfayed.com\/?p=45866"},"modified":"2025-11-30T13:02:48","modified_gmt":"2025-11-30T13:02:48","slug":"do-expats-get-a-uk-state-pension","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/uncategorized\/do-expats-get-a-uk-state-pension\/","title":{"rendered":"Do expats get a UK state pension?"},"content":{"rendered":"<p>Escribo a menudo en Quora.com, donde soy el escritor m\u00e1s visto sobre temas financieros, con m\u00e1s de 422,4 millones de visitas en los \u00faltimos a\u00f1os.<\/p>\n\n\n\n<p><strong>En las respuestas que figuran a continuaci\u00f3n me he centrado en los siguientes temas y cuestiones<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do expats get a UK state pension?<\/li>\n\n\n\n<li>What are some financial tips for a fresh graduate?<\/li>\n<\/ul>\n\n\n\n<p>Si quieres que responda a alguna pregunta en Quora o YouTube, o est\u00e1s buscando invertir, no dudes en<a href=\"https:\/\/adamfayed.com\/es\/#contact-me\">&nbsp;p\u00f3ngase en contacto conmigo<\/a>, correo electr\u00f3nico (advice@adamfayed.com) o utiliza la funci\u00f3n de WhatsApp que aparece a continuaci\u00f3n.<\/p>\n\n\n\n<p>Es posible que algunos de los enlaces y v\u00eddeos a los que se hace referencia s\u00f3lo est\u00e9n disponibles en las respuestas originales.&nbsp;<\/p>\n\n\n\n<p>Fuente de todas las respuestas: p\u00e1gina Quora de Adam Fayed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do expats get a UK state pension?<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-9f230cf95abd6996024b717b5a2fafc2-lq\" alt=\"\"><\/figure>\n\n\n\n<p>Yes, but it depends on how many years you paid into the system whilst in the UK.<\/p>\n\n\n\n<p>The pension also isn\u2019t increased in line with inflation, which erodes the value of the already dismal Old Age Pension over time.<\/p>\n\n\n\n<p>That isn\u2019t to mention that the GBP has weakened against many other major currencies in the last decade and a half.<\/p>\n\n\n\n<p>Expats can make voluntarily contributions into the Old Age Pension, but in most circumstances it doesn\u2019t make sense.<\/p>\n\n\n\n<p>One of the many reasons it doesn\u2019t make sense is that expats are an easy target &#8211; the UK Government is more likely to make unfavourable changes in the future to a small minority group.<\/p>\n\n\n\n<p>Making private provisions is therefore essential.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are some financial tips for a fresh graduate?<\/h2>\n\n\n\n<p>There are no absolute secrets and 100% guaranteed hacks which don\u2019t require sacrifices, otherwise, everybody would do it.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed-512x512.png\" alt=\"\" class=\"wp-image-68827\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed-512x512.png 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed-300x300.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed-150x150.png 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed-81x81.png 81w, https:\/\/adamfayed.com\/wp-content\/uploads\/2023\/10\/whitephoenix_a_photo_of_group_of_people_fresh_graduate_420cacbe-4349-4957-bc51-4864ace0d4ed.png 573w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Therefore, it is important to take as many calculated risks as you can when you are young. The risks you take will depend on your personal circumstances.<\/p>\n\n\n\n<p>For some that could be <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/living-abroad\/\"   title=\"vivir en el extranjero\" data-wpil-keyword-link=\"linked\">vivir en el extranjero<\/a>. For others, it could be getting paid on performance once they have some savings, or any number of other risks.<\/p>\n\n\n\n<p>You have less to lose, and more energy, the younger you are. At least in most cases. What\u2019s more, every time a risk pays off, it could pay you for decades. Every time it fails, you have learned something for decades.<\/p>\n\n\n\n<p>The more flexible and nimble you are at a young age, means the more risks you can take. In practical terms, this means not <a class=\"wpil_keyword_link\" href=\"https:\/\/adamfayed.com\/es\/what-are-the-mistakes-to-avoid-while-buying-a-house\/\" title=\"buying a house\" data-wpil-keyword-link=\"linked\">buying a house<\/a> on a mortgage as soon as you can afford it, and not getting married too early, which can make sense.<\/p>\n\n\n\n<p><strong>Beyond that the following points are worth mentioning:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you invest from a young age, you are increasing your gains due to compounded returns, and decreasing your risk, by playing the long game.<\/li>\n\n\n\n<li>It makes sense to delay gratification. We can\u2019t live like students forever, and there is nothing wrong with spending more if you are earning more, but many people increase their lifestyle (lifestyle inflation) to such a point where the ability to save never increases. More money comes in, and the same (or more) comes out. That is why you have the issue of some students who can get by on little, but the same person can be in huge credit card debt earning 200x more by middle age.<\/li>\n\n\n\n<li>If you want to start your own business, it is better to get a job in the area first. Build up your experience<\/li>\n\n\n\n<li>When you are trying to establish yourself, there is no substitute for hard work. Once you have established yourself, it is still important, but working smart becomes more important. If you put in the 14-hour days now, you will be leaps and bound ahead of most of your peers by 26 or 30. Eventually, being smart about how to use your energy will be a key skill. The quote below says it all:<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/qph.cf2.quoracdn.net\/main-qimg-6d7170337837dbc012cabd9fb8ccad00-lq\" alt=\"\"><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don\u2019t allow peer pressure to affect your financial decisions. If your peers seem to be \u201cgetting ahead\u2019 of you by buying their own house at 26, that doesn\u2019t mean you need to make the same decision. Some of the most financially successful people I know didn\u2019t buy a house, or even a car, until their 30s.<\/li>\n\n\n\n<li>Don\u2019t try to time the stock markets or engage in financial speculation.<\/li>\n\n\n\n<li>It is a mistake to assume that being smart is always a guaranteed route to success. Plenty of smart, top, students don\u2019t go on great things. Oftentimes, those who failed at a younger age understand that they need to work harder than others.<\/li>\n<\/ul>\n\n\n\n<p>Also, find something you enjoy, which the market also wants. Doing what you love doesn\u2019t work if there is no market demand for it.<\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? \u00bfQuiere invertir con Adam?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1024\" height=\"604\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2.png\" alt=\"\" class=\"wp-image-41190\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2.png 1024w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-300x177.png 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-768x453.png 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2022\/04\/smile-beige-jacket-4-1024x604-2-81x48.png 81w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Do expats get a UK state pension?<\/p>","protected":false},"author":1,"featured_media":64535,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[1],"tags":[],"class_list":["post-45866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/45866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=45866"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/45866\/revisions"}],"predecessor-version":[{"id":80804,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/45866\/revisions\/80804"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/64535"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=45866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=45866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=45866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}