How an inherited UK pension is taxed in 2026/27: income tax on drawdown depends on the age at death, the April 2027 IHT change bringing unused pots into estates, and how to take the money tax-efficiently.
Opting out of auto-enrolment saves a little take-home pay now but forfeits your employer's contribution and tax relief. Here's the true 2026/27 cost of leaving your workplace pension.
Comparing Cash ISA, Stocks & Shares ISA, pension, and Premium Bonds for a £10,000 lump sum — with 10-year projections, fees, and FSCS coverage explained.
A complete beginner's guide to FIRE in the UK: 4% rule, savings rate table, ISA & SIPP wrappers, NHS advantage, State Pension and practical index fund approach.
Calculate your UK FIRE number using the 25× rule, State Pension offset, and real index fund returns. Lean, regular and fat FIRE benchmarks inside.
If your income falls between £100k and £125,140, you face a 60% effective marginal tax rate. Here's how pension contributions and other strategies can protect your allowance.
How much can you put in a pension in 2026? Annual Allowance £60,000, tapered AA, carry forward rules, MPAA £10,000 and defined benefit pension testing explained.
The real cost of opting out of the NHS pension in 2026: 23.7% employer contribution lost, defined benefit value vs SIPP, and the rare scenarios where opting out makes sense.
Opting out of auto-enrolment means forfeiting your employer's 3% contribution. See the full 40-year compound cost and when opting out might actually make sense.
Should you take the 25% pension tax-free cash in 2026? PCLS rules, phased drawdown, Lump Sum Allowance £268,275, DB commutation factors, and death benefit changes.
Full guide to TPS 2026: CARE 1/54th accrual, contribution tiers 7.4–12.4%, employer 23.68%, normal pension age, McCloud remedy and opting out costs.
The 25% tax-free pension lump sum is now capped at £268,275 — not 25% of your whole pot. We explain the Lump Sum Allowance, PCLS, UFPLS, DB scheme commutation, and what to do with a large pension pot.
