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Hello, I'm Keith and happy to help you with your question.Under UK tax rules you can pay up to 100% of your earnings up to an annual limit of GBP 50K (13/14 tax year), 40K (14/15), into pension scheme(s). As you probably know you get relief by paying contributions net ie for every 100 quid you only pay 80, the pension providor claims the 20. What you may not realise is that you can utilise unused allowanes from the previous 3 years to boost contributions and hence relief, but still subject to the 100% limit however. Your age is irrelevant, it wasn't in the past, but it is now.Hope I have been of help.I do have an quite different point for you. I recently returned from a cruise in a ship registered in Hamilton. I was an army officer at one time and a 1st Lieutenant in a Landing Craft MKVIII. The cruise liner and its tenders wore the Red Duster which interested me as the ensign for the registration country is actually a defaced one. Maybe you could throw some light, please, if you have a moment.