Additional contributions to TPS - thoughts?

tigerspill

OldBeanz wrote: »

The advantage of the Pru AVC is that the money comes directly off your pay which means you do not have to reclaim your HRT element from HMRC every year. You should do your own research as most default AVC schemes now offer a range of investments but many people just go for the default option and only realise 20 years later that the default may be low risk and not be the best performing. Pru have been bringing their charges down as well.

But as I understand to, this is not salary sacrifice and hence doesnt benefit from NI relief?
So therefore would a SIPP not be better where you can choose from a better set of funds? I accept that some may need claimed back through SA, but that is pretty straightforward.