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Pensions come with generous tax benefits.
Contributions attract tax-relief, so the tax you paid on your income is added to your personal contributions. You can take up to 25% of your fund tax-free when you retire.
Your pension fund can also be passed to your dependents (although a variety of tax rules may apply at this time depending on your circumstances)
All pensions provide tax-relief on contributions. This means the tax you would have paid on earned income is added back into your plan. If you pay £100 from your bank account, £125 is added to your pension. (based on current tax rates). Higher-rate taxpayers can claim the difference in their tax return.
Many employers provide workplace pension plans, but these may provide limited options. A personal pension plan gives you the widest possible choice. (Note that employer contrbutions to a workplace pension are valuable, so be careful not to give these up without a good reason.)
Annuities used to be the only option when you retired. Now, you can take any or all of your benefits in the best way to suit you, so you can maximise your options and minimise the tax you pay.
A personal pension plan provides the best combination of accesbility, price, flexibility, investment choice and tax benefits.
Take a lump sum from your plan tax-free
When you take the benefits from your plan, you are entitled to 25% of it tax-free. This is called the Pension Commencement Lump Sum, or PCLS. You can take this all in one go, or spread it out over time to minimise your income tax.
Access on your terms
When you retire, you can take your money in the way that suits you. It could be regular monthly income, or ad hoc payments whenever you need cash. Careful use of your PCLS can reduce your income tax too.
Benefit from long-term compound returns
You can’t access your pension before age 55, which makes it an ideal way to invest for the long-term because you can’t be tempted to get at your savings early. So be careful when you invest in a pension. It’s important to save for tomorrow but you also have to pay for today.