Tax relief on contributions: a gift, a loan, or an illusion

SPC100

Registered User
Messages
1,067
I thought these worked examples from recent money makeover were very interesting and worth immortalizing in it's own thread in pension forum.
 
 
 
 
 
If you are lucky enough to be getting 40 percent relief and are lucky enough to be facing 40 percent tax on retirement should you continue to put your money in pension?

You still have the the tax free growth benefit (significant given other alternatives), but you also have the risk of breaching the Fund threshold.

There may also be more preferential treatment on death vs investing outside pension.

If you are well off maybe you should just buy a palace.
 
And there is USC on the pension.