Limited company pension contributions can change depending on how well your company is doing. Umbrella salary sacrifice pension contributions are set by HMRC
If you are making pension contributions from your own limited company, you are entitled to change the amount you pay on an ongoing basis. This means you can increase and decrease the amount in line with how your company is performing. In contrast, Umbrella Salary Sacrifice pension contributions have to adhere to HMRC rules. Even though you don’t have as much flexibility in how much you pay, it is still a highly tax efficient option.
Brookson Advice:
Brookson Financial can offer support with your pension needs whether you find yourself inside or outside of IR35 rules.