Pensions — Guides, Tips & Expert Advice
Pension guides for the self-employed — SIPP, NEST, tax relief, and retirement planning.
47 articles on Pensions
Pension Options for Over 55s Who Are Self-Employed
If you are self-employed and over 55, you have unique pension options. You can continue contributing while also accessing existing pots.
Pension or Mortgage Overpayment: Which Is Better?
Should you overpay your mortgage or contribute to a pension? Both reduce your long-term costs, but the tax advantages differ significantly.
Pension and Salary Sacrifice for Company Directors
Salary sacrifice and employer pension contributions can save company directors significant tax and National Insurance. Learn the mechanics and tax advantages.
Pension Tax Relief: How It Actually Works
Pension tax relief is often misunderstood. Here is a clear, simple explanation of how the government tops up your pension contributions.
Self-Employed Pension Tax Relief: How to Maximise It
Pension tax relief is one of the best tax advantages for self-employed people. Learn how it works, how to claim it, and strategies to maximise the benefit.
Self-Employed Pension vs ISA: Where Should You Put Your Money
Pensions and ISAs are both tax-efficient, but they work differently. Learn when to use each and how to combine them for the best outcome.
Pensions for the Self-Employed: The Complete Guide 2026
Self-employed people have no employer pension contributions. This complete guide covers every pension option available to sole traders, freelancers, and contractors in 2026.
Retirement Planning for Freelancers: A Practical Guide
Freelancers face unique retirement planning challenges. Variable income, no employer pension, and competing financial priorities. Here is a practical guide to getting it right.
SIPP Explained: Self-Invested Personal Pension Guide
A SIPP gives you control over your pension investments. Learn how SIPPs work, what you can invest in, and whether a SIPP is right for you.
SIPP vs Personal Pension: Which Is Right for the Self-Employed
SIPPs and personal pensions both offer tax relief, but they differ in control, cost, and investment choice. Learn which suits self-employed savers best.
State Pension for the Self-Employed: What You'll Get
Self-employed people qualify for the State Pension through National Insurance contributions. Learn how much you will receive, how to check, and how to fill gaps.
When to Start a Pension If You're Self-Employed
The best time to start a pension was years ago. The second best time is now. Learn why starting early matters and how to begin even with variable income.
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