Reply to: Pensions Newby

[Alan @ BroomeAffinity]

about right except this time he was banned rather than flounced.

Tomayto tomahto [emoji3]

[Lance]

I see a trend:

Guy asks for free advice (as a substitute for paid-for advice)
Guy gets it
Guy doesn't like what he's told
Guy gets chippy
Guy flounces off in a huff and CUK returns to normal until the cycle begins again

about right except this time he was banned rather than flounced.

[Alan @ BroomeAffinity]

I see a trend:

Guy asks for free advice (as a substitute for paid-for advice)
Guy gets it
Guy doesn't like what he's told
Guy gets chippy
Guy flounces off in a huff and CUK returns to normal until the cycle begins again

[northernladuk]

I presume you are a member of an accounting body - Chartered, Certified etc. Is there not a forum for these bodies where you can get the answers you require, rather than asking on what is predominantly an IT Contractor forum ?

I don't think he'll be answering anytime soon.

[kaiser78]

Like I said, if you can't help..

Clearly you have too much time on your hands so that you go through old posts. I'm a qualified accountant but haven't done personal tax in much detail in 20years.

Your next insult please ...

I presume you are a member of an accounting body - Chartered, Certified etc. Is there not a forum for these bodies where you can get the answers you require, rather than asking on what is predominantly an IT Contractor forum ?

[chopper]

Set up a pension scheme (HL, III - for example. Maybe NEST), make company contributions into it (up to £40k per year). The contributions offset corporation tax. Have all the money put into a tracker fund (or funds) (e.g. HSBC FTSE 250 tracker, Fundsmith, Vanguard Lifestrategy 80%).

For Auto Enrollment and whether it applies and what you need to do, go here
Find out your automatic enrolment duties | The Pensions Regulator

Forget personal contributions, forget Payroll, forget salary sacrifice - just do the above.

These suggestions are not advice, I am not an accountant or an IFA, personal circumstances may vary and so this may not be appropriate for you. It is what works for me.

[Lance]

I answered all your questions. Stupid as they were.
You then asked more stupid questions. I also answered them.
I then questioned your view on your ability as evidence suggests you aren't a very good accountant, assuming you are actually one at all (I'd have sacked you by now).

And you call me (and others) a twat.

You other threads also resulted in you flouncing like a child as well. What is it you don't like about free advice? And why keep asking?

[Lance]

Great, another unhelpful twat

I answered all your questions. Stupid as they were.
You then asked more stupid questions. I also answered them.
I then questioned your view on your ability as evidence suggests you aren't a very good accountant, assuming you are actually one at all (I'd have sacked you by now).

And you call me (and others) a twat.

[pr1]

As a sole director, don't worry about the auto enrollment stuff or whether you pay 5% and your "employer (also you)" "matches" it - you should just set up a pension scheme (there's lots of threads about which one) and pay company contributions into it

[northernladuk]

To be fair you are getting what you paid for

[Fred Bloggs]

Like I said, if you can't help..

Clearly you have too much time on your hands so that you go through old posts. I'm a qualified accountant but haven't done personal tax in much detail in 20years.

Your next insult please ...

Hmmm, I was going to post some helpful stuff, I don't think I'll bother. To be candid, even if you haven't practiced accountancy for 20 years, you should be able to find all your answers in about 10 minutes from what you already claim to know.

[northernladuk]

And you think that's a good idea looking at your questions and the fact you haven't practised accounting for 20 years?

[seeourbee]

No, just me

[northernladuk]

Do you have an accountant?

[seeourbee]

Like I said, if you can't help..

Clearly you have too much time on your hands so that you go through old posts. I'm a qualified accountant but haven't done personal tax in much detail in 20years.

Your next insult please ...