Pensions — Guides, Tips & Expert Advice
Pension guides for the self-employed — SIPP, NEST, tax relief, and retirement planning.
47 articles on Pensions
Workplace Pensions: What If You're a Sole Trader with Employees
If you are a sole trader with employees, you have auto-enrolment obligations. Learn what you must do, what it costs, and how to set it up.
How National Insurance Affects Your State Pension Forecast
Your National Insurance record directly determines your state pension. Learn how to read your forecast, what qualifying years mean, and how to boost your pension.
Auto-Enrolment If You Employ Someone — Your Obligations
Hiring your first employee? Learn your auto-enrolment obligations for workplace pensions, including who qualifies, minimum contributions and deadlines.
Drawdown vs Annuity — Retirement Options Explained Simply
Drawdown or annuity? We explain both pension retirement options in plain English so you can decide which is right for your circumstances.
How Much Pension Do I Need? A Realistic Calculation
How much pension does a UK sole trader actually need? We walk through a realistic calculation to help you plan for a comfortable retirement.
The Lifetime Allowance Abolition — What It Means for You
The pension lifetime allowance has been abolished. Find out what this means for your retirement savings and tax planning as a UK sole trader.
Can I Use My Pension to Buy Business Premises?
Can your pension buy commercial property for your business? Learn how SIPPs and SSAS schemes let you invest in business premises tax-efficiently.
Pension Contributions and Tax Relief — How It Actually Works
Pension contributions and tax relief explained simply for UK sole traders. Learn how HMRC gives you money back and how to claim it.
Pension Tax Relief at Source vs Net Pay — What's the Difference?
Relief at source or net pay? We explain the two pension tax relief methods, how they work, and which one applies to self-employed sole traders.
SIPPs for Sole Traders — A Complete Guide
A complete guide to SIPPs for UK sole traders. Learn how self-invested personal pensions work, their benefits, costs and how to get started.
The State Pension and Gaps in Your National Insurance Record
Gaps in your National Insurance record can reduce your State Pension. Learn how to check your record and fill gaps with voluntary contributions.
When Should I Start Paying Into a Pension? (Spoiler: Now)
When is the best time to start a pension? We explain why starting early matters so much and how compound interest transforms small contributions.
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