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Learning to walk before I run

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  • QueenJess
    QueenJess Posts: 4,691 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    I don't know anything about AVC's, but for pension contributions in general, you only need claim back if your contributions aren't salary sacrifice (i.e. taken from the gross amount of pay before any tax is calculated).  If not, you should get the 20% immediately, but have to claim the extra 20% back yourself.  If you do need to do the extra 20%, then you don't need to complete a self assessment - you can ring up HMRC to let them know and I believe they change your tax code to factor it in for you.
    Definitely check how they work with your employer first so you know what route you need to go.
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