As I mentioned in the subsequent discussion, what would people's opinion be on maxing my pension with no ER contributions and being at 20% rate given our joint assesment status.
Key Post - Should someone paying tax at 20% contribute to a pension
And if you are getting only 20% tax relief on your pension, you should not be contributing to a pension. I would take issue with that as a hard and fast - or even firm - rule. As I said, standard rate tax relief on contributions to the pension are not to be sniffed at. And then the pension...
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