>>The key thing about workplace pensions is the additional contribution from the employer.
Indeed. I am effectively my own employer as well as my staff. The pension contributions effectively go back into general taxation, from whence the pension benefits are paid out.
At the moment this is quite handsomely in favour of government (at least for doctors pensions), but when benefits start to outstrip contributions it's gonna be a hoot.
Will take my pension at 50 (at reduced payout level of course), work even more part-time, and put whatever is left after ISA allowances into a SIPP depending upon how much LTA is left.
Or buy Bitcoin.... ;-)
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