If caught by IR35, LtdCo contributions into pensions are a humungeous no-brainer as you save an extra 20%-odd on the NI portions.
For inside IR35, it isn't quite so cut and dry, but probably still a good thing for the arguments listed above.
The biggest argument for ISA's is that you have total access to your money. With a pension, you have to kiss goodbye to anywhere between 30%-75% of the capital (depending on your draw-out strategy), although you do get the income on that capital.
For inside IR35, it isn't quite so cut and dry, but probably still a good thing for the arguments listed above.
The biggest argument for ISA's is that you have total access to your money. With a pension, you have to kiss goodbye to anywhere between 30%-75% of the capital (depending on your draw-out strategy), although you do get the income on that capital.
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