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Self-Employed

Our self-employed section is the place to find out more about topics such as pension contributions from your limited company and private pensions for the self-employed. You can also find out more about what pension you can get if you are self-employed more generally.

Can I pause my self-employed pension contributions?

Yes, you can pause your self-employed pension contributions. Find out what it means for tax relief and how to keep your retirement plans on track.

How much can self-employed people pay into a pension?

There’s no limit to how much you can pay into your pension, but there’s a cap on how much qualifies for tax relief — known as the annual allowance.

How to open a SIPP

Learn how to open a SIPP with our step-by-step guide, covering who can open one, choosing a provider, making contributions and picking your investments.

Is setting up as a sole trader or limited company better for pensions?

If you're self-employed, is retirement saving easier as a sole trader or limited company? Find out what to consider in this article.

Pension contributions from your limited company

If you have a limited company you can contribute to your pension through it, as an allowable business expense. Find out more.

Pension scheme for contractors

Contractors can build their retirement savings with a flexible pension that fits how they work. Find out about tax relief, combining old pots and more.

Private pensions for the self-employed

You can benefit from generous tax relief and other perks by setting up a private pension. Find out more about private pensions for the self-employed.

Retirement planning as a self-employed person

Learn how to plan for retirement when self-employed. This guide covers pension options and saving strategies to help support your financial future.

SIPP contribution limits and tax relief

How SIPP contribution limits and tax relief work, including annual allowance, carry forward, and relief for basic, higher and additional rate taxpayers.

SIPP vs. defined contribution pension: which is the best for self-employed?

Choosing a pension is an important part of retirement planning as a self-employed person. Learn the differences between a SIPP and defined contribution pension.

What does semi-retirement look like as a self-employed person?

Semi-retirement can provide flexibility to how you work later in your career. In this guide, discover how you could semi-retire if you're self-employed.

What is a SIPP (Self-Invested Personal Pension)?

Understand what a SIPP is, how self-invested personal pensions work, and the potential benefits of transferring or moving your pension into a SIPP.

What pension can I get if I'm self-employed?

If you’re self-employed, you can set up a personal pension to save for your retirement. You can add regular or ad hoc contributions.

What's the best pension for the self-employed?

Learn how to find the best pension for your needs and what you can do to grow your savings without input from an employer.

When to start contributing to a self-employed pension

Learn why starting your self-employed pension contributions early can boost your retirement pot, due to tax relief, contribution limits and flexible saving.

Choose a self-employed pension that puts you in the driving seat

Sign up to our flexible pension plan for the self-employed and contribute as much or as little as you like, as often as you like.

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