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Tag Archives: National Insurance
Pensioners should benefit from Casey’s reform of “care” – their pensions should help pay for it.
Tom Mcphail reports in The Times that “it’s inevitable, pensions will suffer from Andy Burnham’s reforms”. As a pensioner myself I worry about the cost of care I’ll face as I grow older. I also worry that those who do … Continue reading
When employers abandon pensions – what happens to deferred pay?
Only 790 employers pay into their own DC workplace pension. What role do employers have in their staff’s pensions? They are responsible to paying over contributions , enrolling and re-enrolling staff and choosing a workplace pension. But nowadays the core … Continue reading
Posted in pensions
Tagged CDC, Deferred Pay, employers, interest, National Insurance, Pensions
8 Comments
Is salary sacrifice improving pensions or starving our national insurance?
A different perspective Bryn Davies says: March 1, 2026 at 7.32 “… it effectively added 29% more investment for the member’s contribution.” It’s only going to be true if the employee and employer both use their NI saving to improve the … Continue reading
Who loses from R&T’s plan to “tax” pension saving (and how much)?
(R&T = Rachel Reeves and Torsten Bell) What I read over the weekend does not set my heart aflame with anger, instead it makes me content that the young will be helped by an 8% rise in their minimum pay … Continue reading
Posted in pensions
Tagged Bitten, National Insurance, NI, Pensions, salary sacrifice, Who loses
5 Comments
Priorities for delivery of pension pain? – The latest HMT fishing.
The Government continues its fishing expeditions on budget taxation withe the FT being given the job of promoting the levying of national insurance on employer contributions into people’s pensions, this would include contributions made by savers who elect to sacrifice … Continue reading
NI , Selfies, Sidecars – here are some questions on “adequacy”
I have some friends who have worked in Government, in the Treasury and DWP and who understand state first and second pensions better than me. There are many in the private sector , such as Steve Groves, who are … Continue reading
National insurance and the funding of the state pension
There are plenty of people, especially young people, who don’t believe they will get the state pension. We all vaguely recognise a link between national insurance and pensions, so when people hear the Chancellor say he wants to scrap national … Continue reading
We have to earn our tax cuts
Earnings come from work – productive work. Earning pay for things – they provide us with the means to pay household bills and the nation to meet its obligations to its citizens. This week we saw one major council … Continue reading
There will be cracks in care funding – that’s how the light gets in.
Today we have had it confirmeded that in exchange for a substantial increase in national insurance – to fall on those in work, those past work will be comforted that they will have their care fees paid for them, save … Continue reading
Pension tax-relief – a fact based argument for change.
The change I am suggesting would turn pension taxation on its head, it would mean pension contributions would be taxed at more than 60% for high earners but that the lowest earners would be exempt from pension taxation. Pension … Continue reading
Posted in pensions
Tagged change, EET, Income tax, National Insurance, pensions, tax relief, TEE, trustees
10 Comments