If you have run through the calculator and your result was red or amber then you should consider making a change. Here are some potential solutions which could help you avoid a tax charge:
If you have unused allowance from the 3 previous tax years you can exceed the limit in the current tax year.
Lemonade can calculate your unused allowance for your Fidelity pension, please review your 'transaction history' on PlanViewer for total contributions (or input amounts) for the last 3 tax years. Alternatively, please call the pension service centre on 0800 368 68 68 and request a ‘Pension Input amount statement’ to be sent to you.
Once you have obtained this you can click on 'Tell me my unused allowance' if you would like Lemonade to help you. If so, Lemonade will ask you to forward your contribution history and then calculate your unused allowances.
If you have no unused allowance you could reduce or stop employee contributions (check that this doesn't affect your entitlement to receive employer contributions).
If you are still over the limit on the basic employer contributions alone you can opt for a pensions cash allowance. There will be a deduction to cover the additional cost of employer's National Insurance but it's generally better than paying the tax charge for exceeding the Annual Allowance.
For more information on this option, head over to the My Fidelity Benefits portal (The Source > Tools), and navigate to the Restricted Pension Contributions tile under Benefits.
You can pay in £10,000 each year without an Annual Allowance charge. If your contributions exceed your allowance you will incur a tax charge.
fidelity@lemonademoney.com
Calculation results are only a guide and are not guaranteed, they should not be relied upon as a recommendation or advice that a particular course of action is suitable.
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