扣personal allowance 一樣野100k-125k之間 有部份錢要比60%. 因為扣左personal allowance如果唔供pension直接拎cash,你£100 income 交左 £20 income tax實際收得£80UK tax bracket 最高唔係45% 咩
如果拎£100供pension,55歲先拎返,打底有£25係tax free,淨返£75扣埋20% income tax變相只係交£15 income tax.
如果你income tax 交梗40% - 60%會省仲多,加上你退休之後每年都都有tax free allowance,實際交幾多tax睇你個年withdraw左幾多pension
香港mpf係咁俾人插係問題每年收你1-2% management charge 食窮你,但係英國好多company scheme都係收梗1%樓下
marginal tax rate 另一樣野...