Build around variable income
A contribution you can sustain is more useful than a target that strains cash flow. Compare regular and lump-sum contributions, pause options and charges before selecting a pension.
Personal relief applies to a sole trader
A sole trader does not have a separate employing company making employer contributions for themselves. Personal pension contributions are generally assessed under age-related earnings limits. Keep money aside for tax liabilities and confirm payment and election deadlines with your tax advisor.
- Compare a PRSA and RAC where available and appropriate.
- Include existing pension contributions when estimating remaining relief.
- Review investments, charges and the availability of future retirement options.
Last reviewed: 21 September 2026. Rules depend on your circumstances.
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