Combining multiple accounts gives options... In this illustrative example, I’ve attempted to show you how in practice... No two persons circumstances are the same - and this is certainly not meant as advice. But when it comes to taxable income - it pays to think smart. If someone has the option of paying no tax this year, or 20% tax in years to come - that might mean it makes sense to make use of the pension earlier. (bear in mind there are lots of other things to consider - such as inheritance
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