^ TopPension Options
Pensions for contractors: an overview
Contractors can benefit from tax savings by investing in a pension early in their contracting career and a pension pot to draw on from age 55.
How pensions work for contractors
This article explains how pension contributions can save you a fortune in taxes and enable you to enjoy your savings plus interest when you reach age 55.
Pensions for contractors with a limited company
Income from limited companies can go straight into pension funds for serious tax advantages.
Contractor guide to financial advice fees following Retail Distribution Review (RDR)
Contractors taking financial advice are required to pay fees following the Financial Conduct Authority’s Retail Distribution Review (RDR).
Pensions for contractors with an umbrella company
Income when using an umbrella company can go straight into pension funds for serious tax advantages.
Effective retirement planning for contractors
Contractors have more opportunities than most UK workers to save tax by investing in their retirement, as Angela James of Contractor Wealth explains.
Retirement planning for contractors – ISAs/NISAs
Contractors can benefit from tax efficient Individual Savings Accounts (ISAs), known also as NISAs, to maximise the value of their savings.
Retirement planning for contractors: 10 key areas to focus on
Contractors looking to enjoy a well funded retirement can take steps to maximise their income and minimise tax, explains Abbott Moore’s James Abbott.
Pension auto-enrolment for limited company contractors explained
Contractors trading via limited companies with no employees will be unaffected by pension auto-enrolment, says Contractor Wealth’s Angela James.
Contractor guide to UK state-backed pension: National Employment Savings Trust (NEST)
Contractors should take pension action now & not be auto-enrolled into the National Employment Savings Trust, says Angela James of Contractor Wealth.
Pension drawdown explained for contractors
Contractors may find pension drawdown offers a flexible solution suited to their contracting lifestyle, explains Angela James Contractor Wealth.
Pension auto-enrolment letters – what contractors should do
Contractors must respond to Pensions Regulator letters with scheme details or reasons why they don’t need one, says Contractor Wealth’s Angela James.
Why contractors need pensions
Contractors need to make provision for a pension to ensure they can maintain their lifestyle during retirement, says Contractor Wealth’s Angela James.
Pensions – how much to save
Contractors seeking a comfortable retirement should start saving as much as they can as soon as possible, explains Angela James of Contractor Wealth.
Comparison between a pension and a standard investment
Contractors have a range of investment options to choose from to fund their retirement. Contractor Wealth’s Angela James compares different examples.
Top 10 contractor pension myths
Contractor pensions are more straightforward than many experts make out. Ten of the top pension myths are busted by Contractor Wealth’s Angela James.
How much delaying a pension can cost you
Contractors delaying the decision to start a pension risk losing thousands of pounds of pension pot growth, explains Contractor Wealth’s Angela James.
^ TopPension Tax Advantages
Reducing the IR35 pain with a contractor pension
Reduce the pain of it by diverting your taxes into a pension and achieve up to 48% tax relief.
Inside IR35? Get huge tax savings with a pension
If you are caught by it and currently do not have a pension, then you are missing out on huge tax savings.
Outside IR35 and no pension? Get tax savings with a pension
If you are contracting outside and don’t have a pension, you are missing out on significant tax savings.
^ TopCompany Pensions
Can company money be used to offset a mortgage?
Discusses the issues surrounding the concept of using company money to offset your mortgage.
5 reasons you shouldn't consider property investments via your company
Considering using company profit to invest in property? Here's 5 reasons why it's a very bad idea.
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^ TopPension Calculators
Contractor Pension Calculator
Calculate what your tax savings would be and the maximum you can contribute.