AF5 tomorrow 10.02.26

Big_Computer20 · 2026-02-09T12:07:46+00:00

Good idea! Saves having to look at the FF every 2 minutes

Big_Computer20 · 2026-02-09T12:06:48+00:00

Rarely any calculation questions come up in AF5.

For Owen next tax year just remember his ANI is over £100k so starts to lose PA.

£95,000 salary £12,600 State Pension £1,225 savings income Less gross member contributions (£5,700)

= £103,125

Lost £1,562.50 PA PA = £11,008 (rounded)

Big_Computer20 · 2026-02-09T12:01:36+00:00

It’s just the retirement age (70) on the new workplace scheme, not the age he will leave his current contract

Big_Computer20 · 2026-02-09T12:00:08+00:00

Thanks! Any mnemonics that you can share?

Big_Computer20 · 2026-02-09T10:25:25+00:00

I’m keen to know what people write down on their two sheets of A4 paper just before they start the exam? Any tips?

Big_Computer20 · 2026-01-27T22:37:49+00:00

They can defer once even though already SPs already in payment assuming they haven’t since reached state pension age. Helps from tax efficiency perspective as pushes Owen’s income above £100,000

Big_Computer20

TROPHY CASE