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What is pension carry forward?

Pension contributions are subject to the annual allowance. This is £40,000 for most people, but can be lowered to £10,000 for some higher earners. However, carry forward allows you to contribute more if you have any unused allowance in the last three tax years.

Read more about carry forward

Tax rules can change and the amount of tax relief depends on individual circumstances. Before applying, please understand the risks and features of the HL SIPP.

Read more on the HL SIPP

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