How to 直す／買収する，八百長をする your own 財政／金融s: Five 最高の，を越す 年金 planning tips for the self-雇うd

By Andy James

Updated: 12:38 BST, 29 May 2013

最高の，を越す tips: Five things you need to know

Understandably, if you have recently 始める，決める up your own 商売／仕事, you are more likely to concentrate on the more 即座の 財政上の 必要物／必要条件s, rather than 年金 計画（する）s or long-称する，呼ぶ／期間／用語 財政上の 安全 - にもかかわらず those 存在 of equal importance.

Even with the best of 意向s, most find themselves 開始する，打ち上げるd into the 深い end when it comes to their own 財政上の planning.

Andy James, advice 政策 経営者／支配人 for Towry, has stepped in to 供給する tips on how 商売／仕事 owners should go about building their 退職 基金??

1. Use 年金s to 減ずる t he 税金 that you need to 支払う／賃金.

Make sure that you make the 本体，大部分／ばら積みの of your 出資／貢献s when you are likely to be 支払う／賃金ing 税金 at either 40 per cent or 45 per cent, not when you are a basic 率 taxpayer at the 20 per cent level.

2. If you have 収入s over £100,000 you will start to lose your personal allowance.

Your allowance 減ずるs by £1 for every £2 of income you have above the £100,000 level.

This means that you are 効果的に 支払う／賃金ing 税金 at 60 per cent on income between £100,000 and £118,880 (the 現在の personal allowance is £9,440).?

If this 影響する／感情s you, consider using 年金 出資／貢献s to 減ずる your income to below the £100,000 level and therefore 回復する your personal allowance. This will give you the 同等（の） of 60 per cent 税金 救済 on 年金 出資／貢献s that 減ずる your income from £118,880 to £100,000.

3. If you （人命などを）奪う，主張する child 利益 and have income in 超過 of £50,000 you will lose the 利益 at a 率 of 1 per cent for every £100 you receive over this sum.

You will therefore 完全に lose child 利益 once your 収入s 越える £60,000. 類似して to the example above, you can 与える／捧げる to a 年金 to 減ずる your income to £50,000 and 回復する your child 利益. This makes 年金 出資／貢献s on this basis very cost 効果的な.

4. A 年金 cannot 普通は be 接近d until age 55.

So don’t over 延長する yourself when planning your 出資／貢献s. Make sure you have 十分な short and medium 称する，呼ぶ／期間／用語 cash for yourself and your 商売／仕事 before 乗る，着手するing on 退職 planning.

5. Finally, don’t just make 出資／貢献s and forget about it.

Keep 計画（する）s under review and make sure they stay in line with your 客観的なs and 退職 needs. Also, don’t just always use 年金s, other 貯金 大勝するs can also give 価値のある 利益s and 税金 breaks now and in the 未来.