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Pension question for contractors

D Hayes · 2015-05-25 12:24:15

I appreciate that there is a Banking/Pension forum, but I just wanted to get IT contractors' thoughts on pensions. I'm in my early 30s and have been putting a modest amount (approx 4% of salary) into a personal one, but recently switched over to creating and contributing to a company director's pension through my limited…

25-05-2015 1:24pm

#1

D Hayes

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Posts: 454

I appreciate that there is a Banking/Pension forum, but I just wanted to get IT contractors' thoughts on pensions.

I'm in my early 30s and have been putting a modest amount (approx 4% of salary) into a personal one, but recently switched over to creating and contributing to a company director's pension through my limited company. The contributions have been upped to approximately 9% of current salary.

But just taking a look at some online pension calculators, there will still be a serious shortfall in what I hope to have in my pension compared to what I will actually have if I keep contributing at this rate (taking into account increases in relation to age etc.).

Do you contribute to one?

Any alternatives out there?

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Comments

#2 25-05-2015 7:53pm

Senna

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Posts: 8525

I know the feeling, it said I would have to contribute 25% of my wage to meet the shortfall.
Probably best to meet with a professional pension advisor.

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