Stakeholder versus SIPP Versus quasi SIPP

SomeMadeUpName

dunstonh said:

SomeMadeUpName said:

AlanP_2 said:

SomeMadeUpName said:

Oh, and my businesses would no longer be occupying the business property, it would be let out commercially for a yield of circa 10% (easily achievable if the purchase price is around £100k).

If you have a business, and if it is a Ltd company, why are you making the pension contributions and not the Ltd company?

Because as a non taxpayer anyway at the moment it makes no difference.
In fact if I paid £2880 from the Co then that's all it would be, £2880. If instead I pay it out of the Co to me then pay it into the pension as an individual the £2880 becomes £3600, so it does make a difference, it's way better.

You can pay £40,000 from the company (ignoring carry forward potential).  You are not limited to your earnings.   In reality, you are limited to your profit if less than £40,000 as you wont be reducing CT if you go over the profit.

So I've had a squidge at the two Stakeholder pensions mentioned above in a post. They both charge 1% which appears to be the platform charge and fund charge combined. 

They are the old default maximums.   Those dont apply since 2013.     Stakeholder pensions are not platforms.  They are mono charged (a single AMC).   

Vanguard is 0.45% platform charge I believe, so what are fund charges likely to be? 

Vanguard is 0.15% plus say 0.22% on fund.     0.45% is for HL (the largest DIY platform)

And thx for the info on the Vanguard charges, I now see no reason not to go with them for both mine and the wife's provision.
This forum has been awesome.