Friday, 28 March 2014

TAKING MONEY FROM THE TREASURY

DISCLAIMER
All the information in this blogpost is given in good faith, has been checked thoroughly, and is believed to be accurate at the date of publication – 28 March 2014. Paul Lewis accepts no responsibility for any consequences financial or otherwise to individuals who act on it. By reading on you accept this condition.

Up to £1500 free
Generally I don’t approve of using tax wheezes – evoidance as I call it – but this is one loophole which is built in to the current pension rules and has just been widened considerably. If you are aged at least 60 but under 75 and can get hold of a few thousand pounds (I know, I know) you can make £500 almost overnight. And you can do that up to three times with the same money. The gain is tax-free.

Here’s how it works.

             Open a personal pension plan (PPP) and pay in £8000.
             The Treasury puts in another £2000.That represents the basic rate tax you have paid to have £8000 left.
             The total in your fund is £10,000.

From Thursday 27 March a pension pot up to £10,000 counts as a small pot and can be taken out in cash as a lump sum.

             Immediately take out your small pot as cash
             The first 25% is tax free. That is £2500.
             The remaining £7500 is taxed at your basic rate.
             That will cost 20% which is £1500
             You are left with £6000.
             Add on the £2500 tax free and you have £8500. Even though you only put in £8000.
             Profit £500.

You can cash in up to three small pots, so you could make £1500 for nothing.

The calculation

Pay into a PPP
£8,000
Treasury adds
£2,000
Total in PPP
£10,000
Cash in as small pot
£10,000
Tax free cash
£2,500
£2,500
Taxable balance
£7,500
less 20% tax
£1,500
£6,000
£6,000
£8,500
less original outlay
£8,000
profit
£500
Do it 3 times
£1,500


HMRC has what it calls ‘anti-recycling’ rules to stop people taking tax free cash and putting it straight back into a pension to get further tax relief on it. However, those rules do not apply until you take more than £12,500 of tax-free cash so should not apply to this process as even doing it three times releases only £7500 tax-free cash.

The scheme has been possible since April 2012 when the rules for cashing in ‘small pots’ first began. But before 27 March 2014 the maximum 'small pot' was £2000 so the profit was just £100 and you could only do it twice. So it was not worth it. By raising the limits to three pots of £10,000 each the Government has made the scheme much more worth doing. You can of course do it with any amount up to paying in £8000 which gives the maximum small pot of £10,000.

If you take three maximum lump sums it will count as taxable income of £22,500 and added to the earnings you need of at least £30,000 that will push you over the threshold for higher rate tax - £41,865 in 2014/15. Depending on your other income, two lump-sums or even one might do the same. That would mean some of the lump-sum is taxed at the higher rate. In that case the calculation is complex. You may make more profit but will have to wait longer for it. See the paragraph on higher incomes below. 

Lower incomes
The scheme also works for people who have low or no earnings. It is especially profitable if their income is low enough for them to pay no tax.

Anyone below the age of 75 can open – or have opened for them – a personal pension with up to £3600 in the fund. That means a payment in of £2880 and £720 tax relief is added by the Treasury. The whole lot can now be taken out instantly by those aged at least 60 – leaving a profit of £720 for a non-taxpayer or £180 for a basic rate taxpayer. Non-taxpayers will find the basic rate tax is deducted and they must claim it back. If the lump-sum takes them over the personal tax allowance of £10,000 (£10,500 for 66-74 year-olds), in which case they will only get part of it back. 

So a kind spouse or child or grandchild can open a personal pension with £2880 for a relative aged 60 to 74 who has low or no earnings and the person over 60 can then take the profit and repay the initial investment of £2880. It can only be done once a tax year.

Higher incomes
People who pay higher (40%) or top (45%) rate income tax can make more out of the scheme. If you pay higher rate tax the arithmetic is a little more complex. For your £8000 outlay you would get back just £7000 after paying 40% tax on the taxable £7500. That is a loss so far of £1000. But you can then claim further tax relief through self-assessment which will give you another £2000 which will be deducted off your tax bill. So the final net profit is £1000. For a top rate 45% taxpayer the initial loss is £1375 but the self-assessment claim will reduce the tax bill by £2500 leaving a net profit of £1125. The procedure can be done three times. But beware pension limits – see below.

PRACTICALITIES
Conditions
The person opening the pension fund must be aged at least 60 and under 75.

They must earn at least as much as the pot or pots they pay into in the year they pay into them. Other income such as interest, dividends, a pension in payment, or an annuity does not count as 'earnings'.The exception is a single pot of up to £3600 including basic rate tax relief which can be opened by or for someone with low or no earnings.

Beware maximum limits
The maximum amount that can be put into a pension fund in a year is £40,000. If these payments take you over that limit in your pension input period you may face a tax charge on some or all of the money. If you are a member of a final salary scheme the rise in the value of your rights over the year will count towards your £40,000 limit. If you are at or close to your lifetime pension allowance of £1.25 million in 2014/15 further payments may not attract tax relief and you may be liable for a tax charge.

Delay
The Treasury payment may take some time to be credited which could delay the process. If you are a higher or top rate taxpayer you will make a short-term loss and will have to wait until you complete your self assessment form and pay your tax to make the tax saving.

Find a provider
Some platforms or insurance companies which offer personal pensions or SIPPs will be happy to do it for you. Some may charge nothing, others a modest fee especially for existing customers. One quoted me £120 including VAT for the whole job. Tell the firm you want to open an immediate vesting pension – or three if you can afford it and have the income needed.

The future
From April 2015 there will be no restrictions on taking a pension fund in cash and the age you can do so will fall to 55. So if you had you made no other pension contributions in the year you could put in £40,000 – the maximum pension contribution allowed in a year – and make £2000 instant profit. A higher rate taxpayer could get double that – £4000 – though there would be a delay before the profit was made. And for a top rate taxpayer the profit would be £4500. You could repeat the wheeze very year. So the Government will close this loophole before Pension Freedom Day in April 2015.

Finally
The facts in this blog have been checked with two top accountants and with pension providers and investment platforms. The Treasury has made it clear to me that officials recognised this consequence of the interim changes on 27 March. It seems that it does not intend to block this loophole in the current rules. But the Treasury will make sure that it cannot continue in its present form when the April 2015 changes begin. A spokeswoman told me "We are now consulting on how best to deliver the next step in our radical plan to let people withdraw their defined contribution pensions savings how they wish. This includes ensuring robust anti-avoidance measures are in place.” How small a pot will be caught by these measures will be the interesting thing to watch out for. 

Pension wheeze
Version 1.13
29 March 2014

31 comments:

  1. Does being in receipt of annuity payments bought with a pension pot of £31000 exclude me from this 'scam' ?

    ReplyDelete
    Replies
    1. My Name is Bella Tina, From Canada I wish to share my testimonies with the general public about what this man called Dr OSAUYI has just done for me , this man has just brought back my lost Ex husband to me with his great spell within 24 hours. I was married to my husband Alans Evans, we were together for a long time and we loved our self’s but when I was unable to give him a child for 2 years he left me and told me he can’t continue anymore then I was now looking for ways to get him back until a friend of mine told me about this man and gave his contact email OSAUYILOVESPELL@YAHOO.COM then you won’t believe this when I contacted this man on my problems he prepared cast a very strong spell for me and bring my lost husband back within 24hrs, and after a month I miss my monthly period and went for a test and the result showed that i was pregnant. i am happy today am a mother of a baby girl, thank you once again the great Dr OSAUYI for what you have done for me.Contact him on his private email OSAUYILOVESPELL@YAHOO.COM if you are out there passing through any of this problems or predicaments in your life. or you can call the great man on +2347064294395 thanks

      Delete
    2. I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@YAHOO.COM that is his email address bye or you can call is hot line on +2347064294395

      Delete
  2. Who will act as provider? The ones I've contacted will only provide an immediate vesting pension if that means I take out an annuity,not a small pot for withdrawal. I'm a client of BestInvest, who say they don't know if it's worth their while to do it. If so, then a Triviality Fee charge of £150+VAt plus probably an Administration Fee of £100

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  3. "Over 60 but under 75...make £500..overnight" ?? Mr Lewis - most people in this category reading your blog will have a pension and/or annuity income already. Thus the Daily Mail- "Loophole affects all pensioners with at least £8000 to cash in." Your only mention of already taken annuities is to say they dont count towards minimum income. You have raised the hope for existing small annuity holders like myself that we could, for once, get a small leg-up from the tax system. Please confirm or correct.

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  4. This is very interesting idea. Does anybody succeeded with it? Or is it better to use the service of instant payday loans and not to have unnecessary problems? If somebody has done it please write your recall.

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  5. Like writerinblack I can't find anyone to do this pension. Can you suggest any company?

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  6. As far as I understand the rules, the 'small pot' rule applies if your TOTAL pension funds are less than 10k, so hardly anyone can actually do this. am I correct?

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  7. In this article you state that lower incomes can earn a "profit of £720 for a non-taxpayer or £180 for a basic rate taxpayer" whereas in your SAGA article you state the same group can "earn between £180 and £720 depending if you pay some basic rate tax or not". Can you confirm which of these two statements is correct please?

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  8. Contacted the share centre about this, they class their sipp as a vested interest product, but the charge scale looks scary, and, I don't think an immediate withdrawal of your cash as a lump sum would be too soon, as the tax free amount could take some time to process and be added to your contribution. You might not get back the full amount invested as the fund could rise or fall in this period? Not for the faint hearted I imagine!

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  9. This seems perhaps a good idea for those 60-75 who are either working or not paying tax.
    But as I see it if someone is no longer working but paying tax then the maximum gain is £180, against which the fee of £120 quoted to Paul Lewis -or more - needs to be deducted. And at the fees quoted to WriterinBlack by BestInvest even though a client, then it means a loss.
    Do tell me if I have got this wrong Paul Lewis, please.
    Unless I am wrong I won't be doing this for my partner now that she is age-eligible.
    Do like the Radio 4 MoneyBox programme though and listen to it every week.

    ReplyDelete
  10. It seems that not a single respondent has thought that this makes financial sense. Surely Paul should reply!

    ReplyDelete
  11. Towards strengthen your playing knowledge; you ought to halt your work while keeping your focus on the child. You should listen carefully. This simply means that you're not working wondering about just what exactly for you to do subsequent and also just how you may want to respond. You will take note on his or her key phrases; see his or her body gesture along with look into your main intuition. Being attentive usually means you aren't going to talking. Imagine that your main mouth area is usually zippered shut. : Parents companion Management tool for parents

    ReplyDelete
  12. I'm using taking this one stage further. I had a small PP of £5,000 that got left behind when I retired two years ago. The new rules allow me to take that all as cash. I also do free lance work and when I did a quick tot up of my total income for 13/14 I reckon I was £4,000 above the HRT. So I put £4,000 gross (£3,200) into the PP and that will mean all my income should be taxed at basic rate. I shall shortly take the whole lot out which should be of which £6,750 is taxable, Now I don't know how much I'll earn in 14/15 but once it goes into higher rate tax I shall contribute the excess into a PP and withdraw it in the next tax year. This means that the contribution is getting 40% relief but I only pay tax at 20% on the income. I will keep doing it until the rules change or I stop free lance working and become a permanent basic rate tax payer

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  13. I am also working from home UK .. I hope it wont give me a higher tax payment.. Its really hard to make money UK and earn then pay for high tax rate for freelancer! I hope it will change.

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  14. I am a Financial Adviser and would say this is not good "Advice". Pension providers generally do not do something for nothing and there will be some form of charge for doing it. To do something like this you will really need a qualified Adviser as at the end of the day, you may take yourself into a higher rate tax bracket, thus costing you more in tax!

    ReplyDelete
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  20. I am here to give testimony of how i got back my husband, we got married for over 9 years and we have two kids. thing were going well with us and we where always happy. until one day my husband started to behave in a way i could not understand, i was very confused by the way he treated me and the kids. later that month he did not come back home again and he called me that he want a divorce, i asked him what have i done wrong to deserve this from him, all he was saying is that he want a divorce that he hate me and do not want to see me again in his life, i was mad and also frustrated do not know what to do,i was sick for more than 2 weeks because of the divorce. i love him so much he was everything to me without him my life is incomplete. i told my sister and she told me to contact a spell caster, i never believe in all this spell casting of a thing. i just want to try if something will come out of it. i contacted traditional spell hospital for the return of my husband to me, they told me that my husband have been taken by another woman, that she cast a spell on him that is why he hate me and also want us to divorce. then they told me that they have to cast a spell on him that will make him return to me and the kids, they casted the spell and after 1 week my husband called me and he told me that i should forgive him, he started to apologize on phone and said that he still live me that he did not know what happen to him that he left me. it was the spell that he casted on him that make him come back to me. my family and i are now happy again. Thank you Dr. Aluta for what you have done for me i would have been nothing today if not for your great spell. i want you my friends who are passing through all this kind of love problem of getting back their husband, wife , or ex boyfriend and girlfriend to contact traditionalspellhospital@gmail.com and you will see that your problem will be solved without any delay.

    ReplyDelete
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  22. I have been in great bondage for about 4 years suffering in the hands of a cheating husband. We were living happily until he meant his old time girl friend and he started dating her again outside our marriage and before i knew it he stopped caring for his own family, to the extent that he was planning to marry her and divorce me. I cried and reported him to his family members but he never listened to anyone and to cut the story short, i came in search for a real spell caster who could destroy their relationship and make him come back to me and our 2 kids again; on my search i saw people sharing testimony on how their marriage was restored by Dr. Eze Malaka and i pick his email and told him the problem that i was going through, and he agreed to help me and told me never to worry. After he had finished casting the spell, on the second day, they both had a quarrel and he beat up his girlfriend and he came back home begging me to forgive him that his eyes are clear now that he will never do any thing that will hurt his family again and promise to be a caring father and never to cheat on me again. I am so happy that i did not lose him to the girl and all appreciation goes to Dr. Eze Malaka for his great work. You are a Great spell caster and to you all that are faced with this or similar problem to this, please contact him now on extremewhitelovespell@yahoo. com or his WEBSITE ADDRESS is http://extremewhitelovespell.webs.com once again thank you Dr. thank you, thank you.

    ReplyDelete
  23. My Name is Bella Tina, From Canada I wish to share my testimonies with the general public about what this man called Dr OSAUYI has just done for me , this man has just brought back my lost Ex husband to me with his great spell within 24 hours. I was married to my husband Alans Evans, we were together for a long time and we loved our self’s but when I was unable to give him a child for 2 years he left me and told me he can’t continue anymore then I was now looking for ways to get him back until a friend of mine told me about this man and gave his contact email OSAUYILOVESPELL@YAHOO.COM then you won’t believe this when I contacted this man on my problems he prepared cast a very strong spell for me and bring my lost husband back within 24hrs, and after a month I miss my monthly period and went for a test and the result showed that i was pregnant. i am happy today am a mother of a baby girl, thank you once again the great Dr OSAUYI for what you have done for me.Contact him on his private email OSAUYILOVESPELL@YAHOO.COM if you are out there passing through any of this problems or predicaments in your life. or you can call the great man on +2347064294395 thanks

    ReplyDelete
  24. I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@YAHOO.COM that is his email address bye or you can call is hot line on +2347064294395

    ReplyDelete
  25. WELCOME TO DR STEVE SPELL HOME



    My name is Jones Clifford from USA .I am here to give testimony on how I got my husband back. My husband left me for no reason 3 years ago. He moved in with another woman, I felt like killing myself, my life became very bitter and sorrowful. Then 1 day, a friend of mine told me about a great spell caster that is very good and, he said he gave him some lucky numbers that he played in a lottery and he won. I didn't believe it because I've worked with so many of them and it didn't work. He begged me further so I decided to try this great spell caster called DR Steve. I still didn't believe. I used the spell he gave me and the next day I received a call from my darling husband Thomas last month. He apologized and came back to me. He even gave me 10,000USD as a means of compensating me. I'm very happy now. Thank you DR Steve, You can reach him via email:(prophetogogalaga@gmail.com...He can solve any problem like,

    (1) If you want your ex back.

    (2) you need a divorce in your relationship.

    (3) You want to be promoted in your office

    (4) You want women & men to run after you.

    (5) If you want a child.

    (6) You want to be rich.

    (7) You want to lock your husband & wife to be yours forever
    .
    (8) If you need financial stance.

    (9) He can make you pregnancy.

    (10) He can cure you from any diseases.


    CONTACT EMAIL PROPHETOGOGALAGA@GMAIL.COM

    ReplyDelete
  26. Thanks to this great man of spirit called Dr Okafor which I don't know how to thank him for the good work he has Don for me and family which I want to share my testimony with to you all so I was married to Hassan Moel and my name is jenifer for six years now he left me with two kids with know reason which I don't know what to do so one day i was in my friends place when I exposed my pain to her about my depression which I have be looking for who to help me out of it then my friend called me closer to her self telling me on how she got this great man of spirit who helped her found her way to get her husband back then I ask of his contact she quickly go and get her computer and gave me his Email ID and his number so,that is how I contacted him for a help. And now am so happy with my family and with a happy home if you are in such pain kindly Via Email problemsolverspelltemple@gmail.com or call +2348103508204 have faith in him and he will help you
    jenifer

    ReplyDelete
  27. We now leave as a happy family with the help of the great priest omigodo who helped me with a love spell to get my husband back from another woman in just 2days contact priest omigodo via email: omigodoshrine@hotmail.co.uk or call priest omigodo on +2348079367204

    ReplyDelete
  28. Hello...I'm nastya currently from moscow, My husband left me because he felt I can bear children. But to God be the glory, i met people talking of this priestess and how powerful her spell is. her website is thespellpriestessmunak.webs.com, I contact through the website and she emailed me priestessmunak@ gmail.com... before i Contacted her I heard she brings family together. I contacted her and she gave me a spell that made me conceive a baby girl 3 months ago, that's after she has already bring back my husband who left and divorce me. But now we are happily living together. and I am 3 months pregnant.
    I met this woman priestess and my life changed. Yours could be too if you met her to solve your problems with her spell. It worked me for and I appreciate that.

    ReplyDelete



  29. BE CAREFUL HERE NOBODY CAN HELP YOU HERE OR EVEN SUGGEST HOW YOU CAN GET YOUR EX OR LOVE BACK,ANY TESTIMONIES OF MOST SPELL CASTER HERE MUST BE IGNORE.BECAUSE MOST OF THEM ARE SCAM I MEAN REAL SCAM WHICH I WAS A VICTIM AND I GOT RIPPED OF THOUSANDS OF DOLLARS BECAUSE I WAS SO ANXIOUS TO GET MY WIFE BACK AFTER SHE LEFT ME FOR OVER 2 YEARS WITH MY 7 YEARS OLD SON JERRY,I HAVE APPLIED TO 7 DIFFERENT SPELL CASTER HERE AND ALL TO NO AVAIL THEY ALL ASK FOR SAME THING SEND YOUR NAME YOUR EX NAME ADDRESS AND PICTURE PHONE NUMBER ETC WHICH I DID OVER AND OVER AGAIN AND MOST OF THEM WERE FROM WEST AFRICA UNTIL ISAW A POST ABOUT MAMA ANITA SPELL AND I DECIDED TO GAVE HER MY LAST TRAIL.SHE ASK ME FOUR THINGS MY REAL NAME,MY EX AND MY EX MOTHER NAME AND $180 AND SAID MY EX WILL COME BACK IN 24HOURS, I HAVE PAID OVER $3000 ON SPELL CASTING AND COURIER AND NOTHING HAVE WORK FOR ME AFTER 3 DAYS I WAS THINKING ABOUT HOW MUCH I HAVE LOST SO FAR SO I SAID LET ME GIVE HER A TRY SO I CALLED HER AGAIN AND SEND MY REAL NAME,MY EX AND MY EX MOTHER NAME AND THE $180 BECAUSE I SWEAR IT WAS MY LAST TRY SO I WAS WAITING AS SHE TOLD ME TO WAIT TILL NEXT DAY AND I COULD NOT SLEEP THAT NIGHT BECAUSE I REALLY LOVE MY WIFE AND WANT HER BACK AT 9PM THAT DAY I SAW MY WIFE ON LINE ON FACE BOOK AND SHE SAID HI AT FIRST I WAS SHOCK BECAUSE SHE NEVER TALK WITH ME FOR THE PAST A YEAR AND 9 MONTH NOW I DID NOT REPLY AGAIN SHE SAID ARE YOU THERE? I QUICKLY REPLY YES AND SHE SAID CAN WE SEE TOMORROW I SAID YES AND SHE WENT OFF-LINE I WAS CONFUSED I TRY TO CHAT HER AGAIN BUT SHE WAS NO MORE ON LINE I COULD NOT SLEEP THAT NIGHT AS I WAS WONDERING WHAT SHE IS GOING TO SAY, BY 7.AM THE NEXT MORNING SHE GAVE ME A MISS CALL I DECIDED NOT TO CALL BACK AS I WAS STILL ON SHOCK AGAIN SHE CALL AND I PICK SHE SAID CAN WE SEE AFTER WORK TODAY I SAID YES SO SHE END THE CALL IMMEDIATELY I GOT OFF WORK SHE CALL ME AND WE MEET AND NOW WE ARE BACK AGAIN I CALL MAMA ANITA THE NEXT DAY THANKING HER FOR WHAT SHE HAS DONE IN FACT I STILL CALL HER AND THANK HER AS MY LIFE WAS NOT COMPLETE WITHOUT MY WIFE PLEASE BE CAREFUL HERE I HAVE BEEN SCAM THOUSANDS OF DOLLARS IF YOU WANT A TRUE LOVE SPELL THEN CONTACT MAMA ANITA (mama.anitatruelovespell@gmail.com)

    ReplyDelete