{"id":2039,"date":"2018-11-30T10:16:35","date_gmt":"2018-11-30T10:16:35","guid":{"rendered":"https:\/\/app-cprd-pensions.azurewebsites.net\/?page_id=2039"},"modified":"2023-03-27T11:20:45","modified_gmt":"2023-03-27T11:20:45","slug":"sut-i-gynyddu-eich-buddion-pensiwn","status":"publish","type":"page","link":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/","title":{"rendered":"Sut i gynyddu eich Buddion Pensiwn"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<h1>Sut i gynyddu eich Buddion Pensiwn<\/h1>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;siderow&#8221;][vc_column width=&#8221;2\/3&#8243;]<div class=\"video-embed  wpb_content_element\"><iframe loading=\"lazy\" title=\"Pensiynau yn syml: 4. Amddiffyniad i chi a&#039;ch teulu\" src=\"https:\/\/player.vimeo.com\/video\/372676734?dnt=1&amp;app_id=122963\" width=\"1161\" height=\"653\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe><\/div>[vc_column_text]<\/p>\n<h2>Cynyddu eich Buddion<\/h2>\n<p>Fel Aelod o Gynllun Pensiwn Llywodraeth Leol (CPLlL), mae gennych y cyfle i wneud cyfraniadau ychwanegol i ategu eich buddion ymddeol.<\/p>\n<p>Mae\u2019r CPLlL yn cynnig dwy ffordd effeithlon o ran trethu i wneud hyn[\/vc_column_text][vc_tta_accordion section_title_tag=&#8221;h3&#8243; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;white&#8221; spacing=&#8221;2&#8243; gap=&#8221;5&#8243; active_section=&#8221;125&#8243; css_animation=&#8221;fadeIn&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY)&#8221; tab_id=&#8221;AVC&#8221;][vc_column_text]<\/p>\n<h4>Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY) yn ffordd effeithlon o ran treth i gynilo ar gyfer eich ymddeoliad, fel aelod o CPLlL.<\/h4>\n<p>Caiff yr holl gyfraniadau CGY eu didynnu o\u2019ch cyflog cyn ichi dalu treth incwm ac Yswiriant Gwladol, sy\u2019n golygu y byddwch yn cael gostyngiad yn y dreth ar y gyfradd briodol.\u00a0 Mae\u2019r cyfraniadau CGY yn cael eu buddsoddi mewn cronfa o\u2019ch dewis, gyda <a href=\"http:\/\/www.pru.co.uk\/lgbanner\" target=\"\" rel=\"noopener noreferrer\">Prudential\u00a0<i class=\"fa fa-external-link\" aria-hidden=\"true\"><\/i><\/a>.<\/p>\n<p>Gallwch gyfrannu hyd at 100% o\u2019ch cyflog misol (ar \u00f4l i\u2019r holl ddidyniadau statudol wedi eu gwneud) i\u2019ch cronfa CGY.\u00a0 Gallwch newid lefel eich cyfraniad CGY a\u2019ch dewis o gronfa fuddsoddi cynifer o weithiau ag y dymunech.<\/p>\n<p>Pan fyddwch yn ymddeol, gallwch gymryd rhywfaint o\u2019ch cronfa CGY neu\u2019r swm cyfan fel swm crynswth di-dreth (yn amodol ar gyfyngiadau CThEM). Gallwch ddod o hyd i ffyrdd eraill o ddefnyddio eich cronfa Cyfraniadau Gwirfoddol Ychwanegol ar wefan y CPLlL<\/p>\n<h3><strong>Beth os dechreuais dalu i mewn i CGY ar neu ar \u00f4l 31 Mawrth 2014?<\/strong><\/h3>\n<p>Cyn 31 Mawrth 2014, roedd lefel eich cyfraniad wedi\u2019i chyfyngu ar 50% o\u2019ch cyflog misol. Fodd bynnag, gallwch nawr gyfrannu hyd at 100% o\u2019ch cyflog misol (ar \u00f4l i\u2019r holl ddidyniadau statudol wedi eu gwneud) i\u2019ch cronfa CGY o 14 Mai 2018.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Cyfraniad Pensiwn Ychwanegol (CPY)&#8221; tab_id=&#8221;ARC&#8221;][vc_column_text]Os ydych yn aelod gweithredol o\u2019r Cynllun Pensiwn Llywodraeth Leol (CPLlL), gallwch brynu swm ychwanegol o bensiwn blynyddol.\u00a0 Ychwanegir y pensiwn ychwanegol at eich \u2018pensiwn sylfaenol\u2019 a\u2019i dalu bob blwyddyn drwy gydol eich ymddeoliad.\u00a0 Mae hwn yn cael ei alw yn gontract Cyfraniadau Pensiwn Ychwanegol (CPY).<\/p>\n<p>Uchafswm y pensiwn blynyddol ychwanegol y ceir ei brynu yw \u00a37,579.<\/p>\n<h3><strong>Sut caiff y cyfraniadau ychwanegol eu casglu?<\/strong><\/h3>\n<p>Didynnir y cyfraniadau pensiwn ychwanegol o\u2019ch cyflog bob mis. Gallwch ddewis pa mor hir fydd eich contract, ond mae\u2019n rhaid iddo fod mewn \u2018blynyddoedd cyflawn\u2019 ac mae\u2019n rhaid i\u2019r contract ddod i ben cyn ichi gyrraedd eich Oedran Pensiwn Arferol. Cewch hefyd dalu am y pensiwn ychwanegol fel swm crynswth un tro.<\/p>\n<p>Gallwch atal eich cyfraniadau CPY unrhyw bryd yn ystod y contract.\u00a0 Fodd bynnag, cewch gredyd o\u2019r ganran bensiwn ychwanegol yr ydych chi wedi talu amdano.<\/p>\n<h3><strong>Sut byddaf yn cyfrifo rhagamcan o\u2019r gost berthnasol?<\/strong><\/h3>\n<p>Seilir y gost o brynu\u2019r pensiwn ychwanegol ar eich oedran, eich rhywedd a sut yr ydych yn talu, er enghraifft fel swm crynswth neu drwy randaliadau \u2013 dyma sut i gael <a href=\"https:\/\/www.lgpsmember.org\/more\/apc\/index.php\" target=\"\" rel=\"noopener noreferrer\">rhagamcan y gost o brynu pensiwn ychwanegol <i class=\"fa fa-external-link\" aria-hidden=\"true\"><\/i><\/a>.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][vc_column_text]Gallech hefyd gynyddu eich buddion pensiwn gyda Phensiwn Personol, Pensiwn Cyfranddeiliaid neu drefniadau Cyfraniad Gwirfoddol Ychwanegol Annibynnol \u2013 mae\u2019r rhain ar gael drwy gwmn\u00efau preifat.<\/p>\n<h2>A oes unrhyw gyfyngiadau ar gyfraniadau ychwanegol?<\/h2>\n<p>Mae rheolau Cyllid A Thollau Ei Mawrhydi (CThEM) yn caniat\u00e1u ichi dalu cymaint \u00e2 100% o\u2019ch enillion gyda gostyngiad llawn yn y dreth er mwyn sicrhau buddion pensiwn o fewn cyfyngiadau rhagnodedig. Mae eich cyfraniadau CPLlL arferol rhwng 5.5% a 12.5%, felly mae canran fawr o\u2019ch enillion ar gael i\u2019w buddsoddi mewn cyfraniadau ychwanegol.<\/p>\n<p>Fodd bynnag, mae Cyfyngiad CThEM ar Lwfans Blynyddol yn nodi y gall uchafswm eich buddion pensiwn gynyddu bob blwyddyn dreth.\u00a0 Mae\u2019r cyfyngiad ar hyn o bryd ar \u00a340,000.<\/p>\n<p>Ni allwn roi unrhyw gymorth ariannol ichi yngl\u0177n \u00e2\u2019r dewisiadau hyn, ond, gallwch geisio Cyngor Ariannol Annibynnol i\u2019ch helpu \u2013 ewch i <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"\" rel=\"noopener noreferrer\">unbiased <i class=\"fa fa-external-link\" aria-hidden=\"true\"><\/i><\/a>[\/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>CThEM<\/h3>\n<p>Os oes gennych unrhyw gwestiynau am eich treth bersonol neu\u2019ch Yswiriant Gwladol sy\u2019n berthnasol i\u2019ch Cronfa Bensiwn Caerdydd a\u2019r Fro, gallwch ddod o hyd i wybodaeth yma.<\/p>\n<p><a href=\"https:\/\/www.gov.uk\/topic\/personal-tax\" target=\"\" rel=\"noopener noreferrer\">CThEM <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxblue&#8221;]<\/p>\n<h3>Gwasanaeth Arian a Phensiynau <\/h3>\n<p>Gwefan y Llywodraeth yn cynnig canllawiau ac arweiniad diduedd am ddim ar bensiynau<\/p>\n<p>Beth sydd ar gael<\/p>\n<p>Gwybodaeth ac offer ar-lein, gwasanaeth sgwrsio ar-lein, llinell gymorth ff\u00f4n, apwyntiadau personol<\/p>\n<p><a href=\"https:\/\/maps.org.uk\/\" target=\"\" rel=\"noopener noreferrer\">Gwasanaeth Arian a Phensiynau  <i class=\"fa fa-external-link\"><\/i><\/a>[\/vc_column_text][vc_column_text el_class=&#8221;boxred&#8221;]<\/p>\n<h3>A oes angen Ymgynghorwr Ariannol Annibynnol arnoch?<\/h3>\n<p>Cysylltwch ag <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"\" rel=\"noopener noreferrer\">Unbiased <i class=\"fa fa-external-link\" aria-hidden=\"true\"><\/i><\/a><\/p>\n<p>[\/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] Sut i gynyddu eich Buddion Pensiwn [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;siderow&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text] Cynyddu eich Buddion Fel Aelod o Gynllun Pensiwn Llywodraeth Leol (CPLlL), mae gennych y cyfle i wneud cyfraniadau ychwanegol i ategu eich buddion ymddeol. Mae\u2019r CPLlL yn cynnig dwy ffordd effeithlon o ran trethu i wneud hyn[\/vc_column_text][vc_tta_accordion section_title_tag=&#8221;h3&#8243; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;white&#8221; spacing=&#8221;2&#8243; gap=&#8221;5&#8243; active_section=&#8221;125&#8243; css_animation=&#8221;fadeIn&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY)&#8221; tab_id=&#8221;AVC&#8221;][vc_column_text] Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY) yn ffordd effeithlon o ran treth i gynilo ar gyfer eich ymddeoliad, fel aelod o CPLlL. Caiff yr holl gyfraniadau CGY eu didynnu o\u2019ch cyflog cyn ichi dalu treth incwm ac Yswiriant Gwladol, sy\u2019n golygu y byddwch yn cael gostyngiad yn y dreth ar y gyfradd briodol.\u00a0 Mae\u2019r cyfraniadau CGY yn cael eu buddsoddi mewn cronfa o\u2019ch dewis, gyda Prudential\u00a0. Gallwch gyfrannu hyd at 100% o\u2019ch cyflog misol (ar \u00f4l i\u2019r holl ddidyniadau statudol wedi eu gwneud) i\u2019ch cronfa CGY.\u00a0 Gallwch newid lefel eich cyfraniad CGY a\u2019ch dewis o gronfa fuddsoddi cynifer o weithiau ag y dymunech. Pan fyddwch yn ymddeol, gallwch gymryd rhywfaint o\u2019ch cronfa CGY neu\u2019r swm cyfan fel swm crynswth di-dreth (yn amodol ar gyfyngiadau CThEM). Gallwch ddod o hyd i ffyrdd eraill o ddefnyddio eich cronfa Cyfraniadau [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":1072,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2039","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sut i gynyddu eich Buddion Pensiwn - 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\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/\" \/>\n<meta property=\"og:locale\" content=\"cy_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sut i gynyddu eich Buddion Pensiwn - 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] Sut i gynyddu eich Buddion Pensiwn [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;siderow&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text] Cynyddu eich Buddion Fel Aelod o Gynllun Pensiwn Llywodraeth Leol (CPLlL), mae gennych y cyfle i wneud cyfraniadau ychwanegol i ategu eich buddion ymddeol. Mae\u2019r CPLlL yn cynnig dwy ffordd effeithlon o ran trethu i wneud hyn[\/vc_column_text][vc_tta_accordion section_title_tag=&#8221;h3&#8243; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;white&#8221; spacing=&#8221;2&#8243; gap=&#8221;5&#8243; active_section=&#8221;125&#8243; css_animation=&#8221;fadeIn&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY)&#8221; tab_id=&#8221;AVC&#8221;][vc_column_text] Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY) yn ffordd effeithlon o ran treth i gynilo ar gyfer eich ymddeoliad, fel aelod o CPLlL. Caiff yr holl gyfraniadau CGY eu didynnu o\u2019ch cyflog cyn ichi dalu treth incwm ac Yswiriant Gwladol, sy\u2019n golygu y byddwch yn cael gostyngiad yn y dreth ar y gyfradd briodol.\u00a0 Mae\u2019r cyfraniadau CGY yn cael eu buddsoddi mewn cronfa o\u2019ch dewis, gyda Prudential\u00a0. Gallwch gyfrannu hyd at 100% o\u2019ch cyflog misol (ar \u00f4l i\u2019r holl ddidyniadau statudol wedi eu gwneud) i\u2019ch cronfa CGY.\u00a0 Gallwch newid lefel eich cyfraniad CGY a\u2019ch dewis o gronfa fuddsoddi cynifer o weithiau ag y dymunech. Pan fyddwch yn ymddeol, gallwch gymryd rhywfaint o\u2019ch cronfa CGY neu\u2019r swm cyfan fel swm crynswth di-dreth (yn amodol ar gyfyngiadau CThEM). Gallwch ddod o hyd i ffyrdd eraill o ddefnyddio eich cronfa Cyfraniadau [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/\" \/>\n<meta property=\"og:site_name\" content=\"Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-27T11:20:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/sut-i-gynyddu-eich-buddion-pensiwn\\\/\",\"url\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/sut-i-gynyddu-eich-buddion-pensiwn\\\/\",\"name\":\"Sut i gynyddu eich Buddion Pensiwn - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#website\"},\"datePublished\":\"2018-11-30T10:16:35+00:00\",\"dateModified\":\"2023-03-27T11:20:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/sut-i-gynyddu-eich-buddion-pensiwn\\\/#breadcrumb\"},\"inLanguage\":\"cy-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/sut-i-gynyddu-eich-buddion-pensiwn\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/sut-i-gynyddu-eich-buddion-pensiwn\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Aelodau\",\"item\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/cy\\\/aelodau\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Sut i gynyddu eich Buddion Pensiwn\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#website\",\"url\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/\",\"name\":\"Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg\",\"description\":\"Looking after your future\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cy-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#organization\",\"name\":\"Cardiff and Vale of Glamorgan Pension Fund\",\"url\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cy-GB\",\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/wp-content\\\/uploads\\\/Logox2.png\",\"contentUrl\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/wp-content\\\/uploads\\\/Logox2.png\",\"width\":511,\"height\":300,\"caption\":\"Cardiff and Vale of Glamorgan Pension Fund\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cardiffandvalepensionfund.org.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sut i gynyddu eich Buddion Pensiwn - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/","og_locale":"cy_GB","og_type":"article","og_title":"Sut i gynyddu eich Buddion Pensiwn - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg","og_description":"[vc_row][vc_column width=&#8221;1\/1&#8243;][vc_column_text] Sut i gynyddu eich Buddion Pensiwn [\/vc_column_text][\/vc_column][\/vc_row][vc_row top_padding=&#8221;45&#8243; row_id=&#8221;siderow&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text] Cynyddu eich Buddion Fel Aelod o Gynllun Pensiwn Llywodraeth Leol (CPLlL), mae gennych y cyfle i wneud cyfraniadau ychwanegol i ategu eich buddion ymddeol. Mae\u2019r CPLlL yn cynnig dwy ffordd effeithlon o ran trethu i wneud hyn[\/vc_column_text][vc_tta_accordion section_title_tag=&#8221;h3&#8243; style=&#8221;flat&#8221; shape=&#8221;square&#8221; color=&#8221;white&#8221; spacing=&#8221;2&#8243; gap=&#8221;5&#8243; active_section=&#8221;125&#8243; css_animation=&#8221;fadeIn&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY)&#8221; tab_id=&#8221;AVC&#8221;][vc_column_text] Mae Cyfraniadau Gwirfoddol Ychwanegol (CGY) yn ffordd effeithlon o ran treth i gynilo ar gyfer eich ymddeoliad, fel aelod o CPLlL. Caiff yr holl gyfraniadau CGY eu didynnu o\u2019ch cyflog cyn ichi dalu treth incwm ac Yswiriant Gwladol, sy\u2019n golygu y byddwch yn cael gostyngiad yn y dreth ar y gyfradd briodol.\u00a0 Mae\u2019r cyfraniadau CGY yn cael eu buddsoddi mewn cronfa o\u2019ch dewis, gyda Prudential\u00a0. Gallwch gyfrannu hyd at 100% o\u2019ch cyflog misol (ar \u00f4l i\u2019r holl ddidyniadau statudol wedi eu gwneud) i\u2019ch cronfa CGY.\u00a0 Gallwch newid lefel eich cyfraniad CGY a\u2019ch dewis o gronfa fuddsoddi cynifer o weithiau ag y dymunech. Pan fyddwch yn ymddeol, gallwch gymryd rhywfaint o\u2019ch cronfa CGY neu\u2019r swm cyfan fel swm crynswth di-dreth (yn amodol ar gyfyngiadau CThEM). Gallwch ddod o hyd i ffyrdd eraill o ddefnyddio eich cronfa Cyfraniadau [&hellip;]","og_url":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/","og_site_name":"Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg","article_modified_time":"2023-03-27T11:20:45+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/","url":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/","name":"Sut i gynyddu eich Buddion Pensiwn - Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg","isPartOf":{"@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#website"},"datePublished":"2018-11-30T10:16:35+00:00","dateModified":"2023-03-27T11:20:45+00:00","breadcrumb":{"@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/#breadcrumb"},"inLanguage":"cy-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/sut-i-gynyddu-eich-buddion-pensiwn\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/"},{"@type":"ListItem","position":2,"name":"Aelodau","item":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/aelodau\/"},{"@type":"ListItem","position":3,"name":"Sut i gynyddu eich Buddion Pensiwn"}]},{"@type":"WebSite","@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#website","url":"https:\/\/www.cardiffandvalepensionfund.org.uk\/","name":"Cronfa Bensiwn Caerdydd a\u2019r Bro Morgannwg","description":"Looking after your future","publisher":{"@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cardiffandvalepensionfund.org.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cy-GB"},{"@type":"Organization","@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#organization","name":"Cardiff and Vale of Glamorgan Pension Fund","url":"https:\/\/www.cardiffandvalepensionfund.org.uk\/","logo":{"@type":"ImageObject","inLanguage":"cy-GB","@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.cardiffandvalepensionfund.org.uk\/wp-content\/uploads\/Logox2.png","contentUrl":"https:\/\/www.cardiffandvalepensionfund.org.uk\/wp-content\/uploads\/Logox2.png","width":511,"height":300,"caption":"Cardiff and Vale of Glamorgan Pension Fund"},"image":{"@id":"https:\/\/www.cardiffandvalepensionfund.org.uk\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/pages\/2039","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/comments?post=2039"}],"version-history":[{"count":5,"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/pages\/2039\/revisions"}],"predecessor-version":[{"id":4150,"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/pages\/2039\/revisions\/4150"}],"up":[{"embeddable":true,"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/pages\/1072"}],"wp:attachment":[{"href":"https:\/\/www.cardiffandvalepensionfund.org.uk\/cy\/wp-json\/wp\/v2\/media?parent=2039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}