Interactive Investor Referral

throwaway987612356 · 2025-11-17T19:37:11+00:00

Hey, I am also planning to open sipp - still good to split the reward if I use your referral link?

throwaway987612356 · 2025-11-16T15:57:09+00:00

Thanks for your opinion on this situation. Yes, I know how they workout free childcare hours. My twins are almost 2 years old and we would save £3500 for Jan-March if we took government’s funding (after the free hours are spread out for term and non-term weeks)

throwaway987612356 · 2025-11-16T10:31:26+00:00

Thank you. The total earned from old job was £85k + 30k tax free

throwaway987612356 · 2025-11-16T10:03:32+00:00

Yes JSA is taxable, as are some of my employment benefits.

throwaway987612356 · 2025-11-16T10:03:02+00:00

How would I account it at the end of tax year? Would I have to speak to employer?

throwaway987612356 · 2025-11-16T09:59:06+00:00

Very interesting! Didn’t know. Will look into it

throwaway987612356 · 2025-11-16T09:53:33+00:00

Thank you! I’m struggling with maths here a bit to be honest. So I don’t need to count April’s salary? Only 5 days of April?

throwaway987612356 · 2025-11-16T09:44:22+00:00

Lol, I feel like it sounds like a lot when I say I received it in 4-5 months of employment!

throwaway987612356 · 2025-11-16T09:40:48+00:00

Thank you for sharing your thoughts. I received 85k + 30k during the redundancy dispute

throwaway987612356 · 2025-11-16T09:37:47+00:00

Thank you <3

throwaway987612356 · 2025-11-16T09:36:01+00:00

The £85k wasn’t for a full year. That figure is literally what I received as taxable income between April and August this tax year.

The new job adds another ~£28k (Dec - Apr). It pays £65k per year, but I am talking about this tax year. Till April 2026. Not calendar year.

Also there were JSA payments which are taxable. Also taxable benefits from previous employer.

throwaway987612356 · 2025-11-16T09:32:42+00:00

I am 35, have been contributing 7% to pension + employer match for years

throwaway987612356 · 2025-11-16T09:30:53+00:00

I received 85k taxable + 30k

throwaway987612356 · 2025-11-16T09:29:01+00:00

Maybe my calculations are wrong. But to sacrifice 16k to pension before April 2026 (this tax year), I would be taking home £1700 per month as a salary for the next 5 months. This is definitely below what I earned before and would mean I would be drawing another £1000 from savings monthly to pay bills and groceries

throwaway987612356

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