OK, so I understand "employer" makes a contribution and "employee" make a contribution.
In real terms, assuming upper tax bracket, how much is this saving on NI (employer and employee) and PAYE?
I understand that, if its done afterwards its only tax relief you get so this is better idea?
My umbrella uses NEST but I've got my own SIPP (Hargreaves Lansdown). Was hoping it would be possible to pay into NEST and then transfer into SIPP whenever I want.