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Hello, I am Keith, one of the experts on Just Answer, and pleased to be able to help you with your question.
I am slightly confused by your question and your reference to grossing. Could you please expand on that section of your query?.
Pension contributions are made to the pension provider, usually an insurance company, net of basic rate tax (20%). The insurance company then claims the 20% from HMRC. If the contributor is a higher rate taxpayer then they obtain their 40% relief through their annual self assessment tax return. When your pension pot comes to fruition at your retirement 25% of that is tax free. Any pension drawn is liable to Income Tax (IT) at your marginal rate of tax. This might push you back into the higher tax bracket.
I do hope that you have found my reply of assistance.
Thank you for your support.