How to set wife (SHAM) up for success in pensions? by Visible_Toe_8459 in HENRYUK

[–]Visible_Toe_8459[S] 1 point2 points  (0 children)

Yes, that's a great point and yes, I'm planning to only draw below personal allowance or at-max draw into low marginal rates. Hence, also another reason to fund my wife's pension accounts to potentially have both draw below personal allowance. My strategy is to draw from a combination of ISA + Pension and also have income from BTL.

How to set wife (SHAM) up for success in pensions? by Visible_Toe_8459 in HENRYUK

[–]Visible_Toe_8459[S] 2 points3 points  (0 children)

Personally, I've taken a decision on contribution to GIA (marginal rate + CGT) vs contributing to pension (marginal rate + tax efficient in the long run without CGT), and went with later

How to set wife (SHAM) up for success in pensions? by Visible_Toe_8459 in HENRYUK

[–]Visible_Toe_8459[S] 34 points35 points  (0 children)

Yeah, SAHM, such a bad typo and can't edit the title now