{"id":1278,"date":"2018-10-10T14:47:51","date_gmt":"2018-10-10T14:47:51","guid":{"rendered":"http:\/\/pensions.cardiffcouncilwebteam.co.uk\/?page_id=1278"},"modified":"2018-10-10T15:07:02","modified_gmt":"2018-10-10T15:07:02","slug":"beth-yw-fy-opsiynau","status":"publish","type":"page","link":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/heb-ymuno\/beth-yw-fy-opsiynau\/","title":{"rendered":"Beth yw fy opsiynau?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<h1>Beth yw fy opsiynau?<\/h1>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;40&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]Os penderfynwch ymuno \u00e2\u2019r CPLlL, gallech chi dibynnu ar <a href=\"https:\/\/www.gov.uk\/new-state-pension\">Bensiwn y Wladwriaeth <i class=\"fa fa-external-link\"><\/i><\/a> yn unig.\u00a0 Fodd bynnag, mae\u2019n annhebygol y bydd hwn ar ei ben ei hun yn creu digon o incwm i\u2019ch cefnogi yn eich ymddeoliad.<\/p>\n<p>Mae <a href=\"https:\/\/www.gov.uk\/state-pension-age\">oedrannau ymddeol y wladwriaeth <i class=\"fa fa-external-link\"><\/i><\/a> yn cynnyddu\u2019n barhaol gan fod pobl yn byw\u2019n hwy, felly os ydych yn iau bydd eich Pensiwn y Wladwriaeth yn fwy na thebyg yn cael ei dalu\u2019n hwyrach.<\/p>\n<p>Yn lle cynllun galwedigaethol, gallech chi ddewis cyfrannu at Gynllun Pensiwn Personol neu Bensiwn Cyfranddeiliaid, fodd bynnag, mae hyn yn golygu:<\/p>\n<ul>\n<li>Bod dim cyfraniadau gan gyflogwyr<\/li>\n<li>Eich bod yn talu\u2019r ffioedd gweinyddol<\/li>\n<li>Bod yr holl risg buddsoddi arnoch chi<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column el_class=&#8221;siderow&#8221; width=&#8221;1\/3&#8243;][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Budd-daliadau\u2019r wladwriaeth<\/h3>\n<p>Dewch o hyd i fanylion am fudd-daliadau a phensiwn y wladwriaeth, a sut i gael rhagolwg o bensiwn y wladwriaeth<\/p>\n<p><a href=\"https:\/\/www.gov.uk\/new-state-pension\" target=\"\" rel=\"noopener\">New State Pension <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Gwasanaeth Cynghori Ariannol<\/h3>\n<p>Gwasanaeth diduedd wedi\u2019i greu gan y Llywodraeth i roi cyngor diragfarn am ddim.\u00a0 Cewch fanteisio ar gynllunwyr cyllideb gwych ac offer eraill hefyd.<\/p>\n<p><a href=\"https:\/\/www.moneyadviceservice.org.uk\/cy\" target=\"\" rel=\"noopener\">Gwasanaeth Cynghori Ariannol <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxred&#8221;]<\/p>\n<h3><strong>Cwestiwn?<\/strong><\/h3>\n<p><a href=\"\/cy\/cysylltu-a-ni\/\">Cysylltwch \u00e2 ni.<\/a>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text] Beth yw fy opsiynau? [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;40&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]Os penderfynwch ymuno \u00e2\u2019r CPLlL, gallech chi dibynnu ar Bensiwn y Wladwriaeth yn unig.\u00a0 Fodd bynnag, mae\u2019n annhebygol y bydd hwn ar ei ben ei hun yn creu digon o incwm i\u2019ch cefnogi yn eich ymddeoliad. Mae oedrannau ymddeol y wladwriaeth yn cynnyddu\u2019n barhaol gan fod pobl yn byw\u2019n hwy, felly os ydych yn iau bydd eich Pensiwn y Wladwriaeth yn fwy na thebyg yn cael ei dalu\u2019n hwyrach. Yn lle cynllun galwedigaethol, gallech chi ddewis cyfrannu at Gynllun Pensiwn Personol neu Bensiwn Cyfranddeiliaid, fodd bynnag, mae hyn yn golygu: Bod dim cyfraniadau gan gyflogwyr Eich bod yn talu\u2019r ffioedd gweinyddol Bod yr holl risg buddsoddi arnoch chi [\/vc_column_text][\/vc_column][vc_column el_class=&#8221;siderow&#8221; width=&#8221;1\/3&#8243;][vc_column_text el_class=&#8221;boxblue&#8221;] Budd-daliadau\u2019r wladwriaeth Dewch o hyd i fanylion am fudd-daliadau a phensiwn y wladwriaeth, a sut i gael rhagolwg o bensiwn y wladwriaeth New State Pension [\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;] Gwasanaeth Cynghori Ariannol Gwasanaeth diduedd wedi\u2019i greu gan y Llywodraeth i roi cyngor diragfarn am ddim.\u00a0 Cewch fanteisio ar gynllunwyr cyllideb gwych ac offer eraill hefyd. Gwasanaeth Cynghori Ariannol [\/vc_column_text][vc_column_text el_class=&#8221;boxred&#8221;] Cwestiwn? Cysylltwch \u00e2 ni.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":1060,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1278","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beth yw fy opsiynau? - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/heb-ymuno\/beth-yw-fy-opsiynau\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beth yw fy opsiynau? - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text] Beth yw fy opsiynau? [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;40&#8243; row_id=&#8221;ulcontent&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]Os penderfynwch ymuno \u00e2\u2019r CPLlL, gallech chi dibynnu ar Bensiwn y Wladwriaeth yn unig.\u00a0 Fodd bynnag, mae\u2019n annhebygol y bydd hwn ar ei ben ei hun yn creu digon o incwm i\u2019ch cefnogi yn eich ymddeoliad. Mae oedrannau ymddeol y wladwriaeth yn cynnyddu\u2019n barhaol gan fod pobl yn byw\u2019n hwy, felly os ydych yn iau bydd eich Pensiwn y Wladwriaeth yn fwy na thebyg yn cael ei dalu\u2019n hwyrach. Yn lle cynllun galwedigaethol, gallech chi ddewis cyfrannu at Gynllun Pensiwn Personol neu Bensiwn Cyfranddeiliaid, fodd bynnag, mae hyn yn golygu: Bod dim cyfraniadau gan gyflogwyr Eich bod yn talu\u2019r ffioedd gweinyddol Bod yr holl risg buddsoddi arnoch chi [\/vc_column_text][\/vc_column][vc_column el_class=&#8221;siderow&#8221; width=&#8221;1\/3&#8243;][vc_column_text el_class=&#8221;boxblue&#8221;] Budd-daliadau\u2019r wladwriaeth Dewch o hyd i fanylion am fudd-daliadau a phensiwn y wladwriaeth, a sut i gael rhagolwg o bensiwn y wladwriaeth New State Pension [\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;] Gwasanaeth Cynghori Ariannol Gwasanaeth diduedd wedi\u2019i greu gan y Llywodraeth i roi cyngor diragfarn am ddim.\u00a0 Cewch fanteisio ar gynllunwyr cyllideb gwych ac offer eraill hefyd. Gwasanaeth Cynghori Ariannol [\/vc_column_text][vc_column_text el_class=&#8221;boxred&#8221;] Cwestiwn? 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