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pension

  1. S

    Pension carry forward.

    Hi, Can you please help me. I started a limited company in Dec 2019 but actual work (earning) started only in Jan 2020. Already invested £40k (employer's contribution) each for 2020, 2021, 2022. Can I invest £40k for 2019 now though there was no earning in 2019. My accounting year is from Jan to...
  2. R

    Private pension insurance in Germany

    Hi everyone, I got a one year job offer in Germany as a wind turbine maintenance leader. I am trying to figure it out how much my net salary would be and does it worth the effort to move there for one year. In this net salary calculator there is an option of private pension insurance. Is the...
  3. A

    SIPP Pension contributions - 2 Directors

    Hello experts, Myself and my wife are both IT contractors working for 2 separate clients (outside IR35) and contributing more or less equally to our company's revenue. We are both directors with 50:50 share holding. Currently, we are not contributing any pensions(neither employee nor...
  4. S

    Pension. Please guide.

    Hi, Can someone please guide me about Pension. My accountant is insisting on me talking to Pension advisor but I don't want to pay commission to pension advisor when I know where to invest. But don't know how. I started contracting only from Jan 2020 and has workplace pension from Fidelity...
    • sammy2020
    • Thread
    • company pension pension pension contributions pension scheme sipp
    • Replies: 62
    • Forum: Accounting / Legal
  5. K

    Erratic working and accounting/tax/income implications

    I'm a newbie contractor (sole director and sole employee of ltd. co.) and have set up co. as been asked to work on a 50 day contract ..these 50 days have been randomly allocated over the last 4 months and the contract is about to end. My client may renew or finish; at this stage some kind of...
    • knowsey
    • Thread
    • income protection newbie pension tax advisor tax avoidance
    • Replies: 12
    • Forum: Accounting / Legal
  6. P

    Umbrella - Help on pension

    Hi I'm now contracting inside IR35, through an umbrella company. I want to start contributing to a pension (haven't done this before) and after some research I thought a SIPP with II was the best option. It now turns out that my umbrella (ICS) say they can make contributions into any SIPP as...
  7. J

    New to Public Sector Unbrella Contract

    Hi All and sorry if this has been asked 100 times before. I am new to a public sector contract and therefore new to falling inside IR35. I assumed, because the agent said I could, that I could continue to work through my Ltd Co. Having received the paperwork, and done some research, I am not...
  8. M

    Pension Carry forward from Contractor to Perm - Registered scheme only?

    I got a decent offer from my current client to go perm from April with a nice 1st year bonus. I'm thinking about taking it to weather out the storm for a year. I was thinking about doing a big salary sacrifice and piling a big lump of salary and also the bonus into my pension. Problem is, I'd...
  9. Lumiere

    Pensions re-enrolment for director/secretary ltd

    Received an email from Pensions Regulator about a mandatory pensions re-enrollment due on 1 Jan, but my accountant is away until the 5th. A couple of years ago we had to go through this process for my partner who is a company secretary and earns around £12k. Accountant charged us around...
  10. S

    Umbrella hasn't forwarded my Workplace Pension Contributions and AVCs to the provider

    Hi all, Umbrella is Sapphire, pension in NOW:Pensions I specifically asked to be enrolled into the Workplace Pension Scheme before the 12 week auto-enrolment kicked in. First pension contribution was made on the 7th June. As of the 22nd August no contributions were showing in the Pension...
    • ScubyUK
    • Thread
    • legal advice pension pension contributions pension scheme umbrella payroll
    • Replies: 4
    • Forum: Umbrella Companies
  11. T

    Deemed income calculation and pension cross FY

    All, I am having a big dispute with with accountant about my deemed payment calculation. I have been trading since Feb 1st this year and am INSIDE of IR35. The issue: - my business received income prior to the end of March - I pay my pension directly from the business account - the DD being...
  12. A

    Auto enrolled in pension

    In IR35 and the umbrella has just auto-enrolled me onto the pension scheme with 1%. The last job also got me in their pension scheme and I probably have a few hundred quid in that also. I'm going to be here for a few months probably, maybe a year. Who knows? Is it possible to consolidate these...
  13. S

    Pension contributions from employer

    I work as a contractor through a limited company. Myself and my wife are directors and each of us have 50% shareholding. Both of us are employees of the company as well. I'm planning to enrol for workplace pensions. We are planning to contribute about 1% of salary as employee contribution. As...
  14. C

    IR35 Employer Pension Contributions

    Are contractors working with a public sector organisation through a PSC (ltd company) under IR35 deemed employment arrangements able to recover employer's national insurance contributions on company (PSC) pension contributions. There seems to be volumes written about IR35 but can't seem to find...
  15. A

    AJBell SIPP paying in from business account

    Hi All, I have recently setup my own limited company and have just created a SIPP with AJBell. I'm a bit confused on how to pay money in to the SIPP from business account, should this be as a member, if so which "member contribution" should I classify it as or should the source be employer...
  16. N

    Executive Pension Plans

    So contractors with company pension plans will now be paying tax and NI on their pension contributions?
  17. D

    Limited company - company pension?

    I am a contractor working through my limited company. I wonder if there is a way to have my company make, and expense, pension contributions - vs. me withdrawing dividends and making pension contributions out of my after-tax personal income. Can anyone advise? Thank you. PS. The "financial...
  18. M

    Contractor pension options - opinions expiriences please

    Hello I am in the process of finding and starting my Pension via LTD company. I head you can make payments to pension via LTD company which reduces your Corporate tax bill but also via personal contributions which incrases your tax band? Can anyone recommend pension type SIPP, Personal pension...
  19. H

    Advice please - backdating pension contributions

    Hi folks. I'm a newbie to this site. I've read through some previous posts but found them difficult to compare to my own situation. I've been operating my own limited company for exactly 2 years now. In that time I've taken a salary of c£10,600 for the second year and a dividend of c£23,000. I...
  20. N

    Pension Setup Fee £500??

    I am a Contractor with a Limited Company, I feel that I am missing out on "no brainer" tax savings as I don't have a pension set up via my company. I have contacted my financial advisor department of my accounting company and they have explained the ins & outs of the Pension Plan they are...

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  1. Contracting
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      1. Coronavirus Assistance
    3. Accounting / Legal
      1. Umbrella Companies
      2. HMRC Scheme Enquiries
      3. The Future of Contracting
      4. IR35 Reform
    4. Technical
    5. Welcome / FAQs
  2. Social
    1. Light Relief
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