Fidelity Pension tax relief

Albermarle

zagfles said:

Albermarle said:

If you make additional contributions to such a scheme by directly paying in, they won't add tax relief as they would in a RAS scheme like a SIPP, it's treated as a pure gross contribution because that's the way the scheme was set up.

I think it must be variable between schemes . If I pay a lump sum to my workplace salary sacrifice scheme , they add the tax relief to the lump sum .

How do they treat employee conts taken from pay (sal sac conts are obviously employer conts so will never have tax relief added). I would have thought as RAS too, ie taken after tax? Wouldn't have thought they'd use net pay and RAS in the same scheme?

I do not know that .
However the OP is paying by salary sacrifice and their lump sum did not attract tax relief .
I contribute also by salary sacrifice but my lump sums do have tax relief added .
So as said there must be some variation between schemes.

zagfles

Albermarle said:

zagfles said:

Albermarle said:

If you make additional contributions to such a scheme by directly paying in, they won't add tax relief as they would in a RAS scheme like a SIPP, it's treated as a pure gross contribution because that's the way the scheme was set up.

I think it must be variable between schemes . If I pay a lump sum to my workplace salary sacrifice scheme , they add the tax relief to the lump sum .

How do they treat employee conts taken from pay (sal sac conts are obviously employer conts so will never have tax relief added). I would have thought as RAS too, ie taken after tax? Wouldn't have thought they'd use net pay and RAS in the same scheme?

I do not know that .
However the OP is paying by salary sacrifice and their lump sum did not attract tax relief .
I contribute also by salary sacrifice but my lump sums do have tax relief added .
So as said there must be some variation between schemes.

Yes some workplace schemes use RAS (mostly group personal pension types). But AFAIK none use net pay and RAS in the same scheme.