Being self-employed and the State Pension – NI rules, rates and filling gaps
How the State Pension works if you’re self-employed, including NI rates, qualifying years, how to fill gaps, and why you may need extra retirement savings.
Pension auto enrolment: does it apply to sole traders and limited companies?
Automatic enrolment is the UK’s mandatory workplace pension system. Find out why sole traders (without employees) and many small companies are exempt.
How pension tax relief works for the self-employed
Learn how pension tax relief works for sole traders. Understand allowances, limits and how self-employed pensions differ from limited company directors.
Should you pay into a pension or an ISA if you’re self-employed?
Pension or ISA if you’re self-employed - which is best? Compare tax relief, access rules and allowances, plus how SIPPs and ISAs can work together.
New report urges ‘nudge’ reforms to boost self-employed pensions
Social Market Foundation warns just 22% of self-employed save into a pension. New report calls for ‘nudges’ from banks and HMRC to boost retirement savings.
How much do you need to save for retirement if you’re self-employed?
For most people in traditional employment, pensions are set up automatically. You’re enrolled, your employer adds a percentage, and you’re reminded from time to time to check your balance. But…
Pensions Commission relaunched as millions of self-employed fall behind
The Government has revived the Pensions Commission to tackle a looming retirement crisis, with self-employed workers among the worst affected.
It’s never too late to start saving for a pension if you’re self-employed
Left it late to start a pension? If you’re self-employed, here’s how to catch up, claim tax relief, and build a pot from scratch.
What the 2027 Inheritance Tax changes mean for your pension
If you’re self-employed and saving into a pension, some big changes are coming from April 2027 that could affect what happens to your pension when you die.
How do pensions work if you’re a sole trader?
Starting a pension to save for your retirement is fairly straightforward. Here’s what you need to know about setting up a pension if you’re a sole trader.