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Insurance

Chancellor to raise lifetime pensions allowance to £1.8mln

Chancellor Jeremy Hunt will use his Budget on Wednesday to increase the lifetime allowance for tax-free pension savings from £1.07mln to £1.8mln.

This is the joint highest level on record and will affect almost two million people, primarily in response to concerns that limits are driving medical professionals and others into early retirement, it has been widely reported.

The move means that some could save up to £180,000 in tax on their pension pots, while others may be able to reach pension savings targets more rapidly. The lifetime allowance is the amount people can accumulate in their pension pot before charges are imposed.

Any additional income faces a 25% levy, which rises to 55% if withdrawn as a lump sum.

The government will also increase the annual allowance, the amount people can save without paying tax, from £40,000 to £60,000. The combined cost of the increases is anticipated to be £2bn a year. The energy price guarantee will also be extended, limiting bills for a typical household to £2,500.

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