Pension Magic 2025/26

Pension Magic shows you how to build a big retirement pot by enjoying thousands of pounds of extra tax relief on your pension contributions.

The book is written in plain English with dozens of easy to follow examples. It is essential reading for:

• Self-employed individuals
• Company owners
• Salary earners (except those with final salary pensions)
• Accountants and financial advisers

The 17th edition was published in May 2025 and contains all the latest tax and pension changes, including proposals to make pensions subject to inheritance tax from April 2027.

Subjects covered include:

• A plain-English guide to how pensions work and how to save more tax when you put money in or take money out
• Why higher-rate taxpayers will typically enjoy 41.67% more retirement income by saving in a pension instead of an ISA
• How high income earners can enjoy up to 60% tax relief on their pension contributions
• How couples can significantly increase their retirement income by correctly choosing who makes pension contributions
• How to reduce your capital gains tax bill with pension contributions
• Everything you need to know about the proposed introduction of inheritance tax on pensions... and how to mitigate the impact
• Why pensions will continue to be arguably the best tax shelter out there: for providing retirement income and passing wealth to family members
• How to save income tax AND national insurance with a salary sacrifice pension
• Why company pension contributions are an attractive alternative to dividends for company directors
• How your pension savings can be used to buy property for your business
• Plus lots and lots more