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Self-Employed Without a Pension? Here's What You're Missing
Are you self-employed and still haven't set up a pension?
You're not alone — only about 1 in 5 self-employed people in the UK are saving into a pension right now. Without auto-enrolment doing the heavy lifting, millions of freelancers, contractors and sole traders are heading for retirement with nothing but the State Pension — currently just under £12,000 a year.
In this episode, I walk you through the complete setup process step by step: choosing between a personal pension, stakeholder pension and SIPP, getting your application done in about 15 minutes, and claiming the 25% government top-up that most self-employed people leave on the table. I also cover how higher rate taxpayers can claim even more back through Self Assessment.
With over 25 years advising individuals and major organisations on pensions and retirement at firms including PwC, EY, Aon and KPMG, I've seen how straightforward the setup process actually is — once you know what to do.
Watch this episode in full on our YouTube channel: https://www.youtube.com/@retirementandmoney
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By Saq HussainAre you self-employed and still haven't set up a pension?
You're not alone — only about 1 in 5 self-employed people in the UK are saving into a pension right now. Without auto-enrolment doing the heavy lifting, millions of freelancers, contractors and sole traders are heading for retirement with nothing but the State Pension — currently just under £12,000 a year.
In this episode, I walk you through the complete setup process step by step: choosing between a personal pension, stakeholder pension and SIPP, getting your application done in about 15 minutes, and claiming the 25% government top-up that most self-employed people leave on the table. I also cover how higher rate taxpayers can claim even more back through Self Assessment.
With over 25 years advising individuals and major organisations on pensions and retirement at firms including PwC, EY, Aon and KPMG, I've seen how straightforward the setup process actually is — once you know what to do.
Watch this episode in full on our YouTube channel: https://www.youtube.com/@retirementandmoney