State vs Workplace Pensions: Understanding Contributions, Tax Relief & Optimal Retirement Strategy
Updated November 2026: we reviewed this article against current official sources. 2026/27: full new State Pension £241.30 a week; personal allowance £12,570; annual allowance for pension tax relief £60,000. Auto-enrolment still requires a minimum 8% total contribution on qualifying earnings (at least 3% from the employer). The government has announced a £2,000 cap on NI-free […]
