Pensions are a way of saving towards retirement where the taxman will add money for you as well as allowing tax efficient growth.

Unlike ISAs every £100 you pay the taxman adds £25 immediately, higher rate taxpayers can claim another £25 when completing their tax return at the end of the year. That's a 25% increase and almost 67% increase for high rate taxpayers on the net cost*. Making this one of the most tax-efficient ways of saving.

You pay contributions less an amount equal to basic rate tax relief, the insurance company will claim this back for you from the Inland Revenue and add it to your plan, together with any amount you have paid. This is referred to as making contributions net of basic rate tax.

* net cost for a higher rate taxpayer is £76.92, therefore total tax relief is 67% of the net cost to you. This is based on our understanding of current law and tax practice.

To have an independent expert get in touch with you to offer some basic advice, simply enter your details below.

Enquiry Type	General Pension Advice Transfering a Pension SIPPS Pension Review Pension Release Pension Annuities Income Drawdown Company Pension
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On pressing the send button you will be contacted by Hello Finance Ltd who will ask some relevant questions about your pension requirements and then pass you onto an independent pension advisor in your area.

The Pensions Network web site is operated by Hello Finance Ltd and introduces clients to independent financial advisors. Hello Finance Ltd does not provide any finance advice and only acts as an introducer to regulated companies.

Hello Finance Ltd is registered in Wales under CRN 05501378 and our registered office and business address is
7 Fidlas Road, Llanishen, Cardiff. CF14 0LW. Our telephone number is 02920 762249. Our e-mail address is accounts@hellofinance.co.uk