An investment that gives a 72% return overnight

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An investment that gives a 72% return overnight

1 February 2021

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Believe it or not, there is a risk-free investment you can make which gives you a 72% return overnight. Fortunately, it’s not some extremely high risk, esoteric investment scheme, that will see you locked away forever or losing all your cash – it’s just a pension.

Pensions might sound boring to most people, but they are actually one of the most phenomenal vehicles for growing your money. 72% may seem a little bit farfetched but, if I take you through the numbers, you’d be quite amazed by the outcome:

If you’re a basic rate taxpayer and are paid £1,000, it will be taxed at 12% for national insurance and 20% for income tax. As a result, this arrives in your bank account as £680. For a higher rate taxpayer, anything over the £50,000 threshold suffers an additional 2% in national insurance, and a whopping 40% in income tax.  As such, this will land in your account as £580 – a fairly disheartening reality.

No need to worry though, as you can resolve this entirely simply by popping the money straight into your pension. Most pension schemes are now salary sacrifice which means national insurance just disappears, and all pensions are completely gross of income tax. No tax to pay at all!

By putting the money in your pension, your £680 will increase by £320 (47%!), and if you’re a higher rate taxpayer, it will result in a £420 uplift. You almost double your money. That’s a 72%, risk free return, before you’ve even considered how you’re going to invest it or compounded growth. It’s pretty phenomenal and there’s no other return like it.

So, it might be time to re-think pensions because they’re not actually that boring and you can make easy money.

Find out more in this guide

Did you know that people earning over £100,000 can pay a effective tax rate of 60%?

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Saltus Financial Planning Ltd is authorised and regulated by the financial conduct authority. Information is correct to the best of our understanding as at the date of publication. Nothing within this content is intended as, or can be relied upon, as financial advice. Capital is at risk. You may get back less than you invested.

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Financial planning

Financial planning can help you reach your goals in life, whether you want to determine when you can retire comfortably, bring organisation to your financial world or pass on your wealth effectively.

Pensions and retirement planning

Deciding when to retire is a challenging decision and can feel like a leap of faith. At Saltus, we gather information on all of your existing assets and then use our technology and expertise to show you exactly how to achieve the retirement you’re after.

Reducing your tax burden

How to structure your wealth and access income should be approached in a sophisticated way. A detailed financial plan may use pensions, ISAs, general investment accounts, offshore bonds and other tax wrappers to ensure you can draw your money in a tax-efficient manner.

Consolidating your wealth

Holding multiple investment accounts and pensions can mean they’re hard to keep track of and administer. We’ll help you overcome this by consolidating your accounts into a single plan so that you can understand your financial position with ease.

Protecting you and your assets

We protect our cars and houses without much thought yet you might be the most valuable asset in your family. Whatever your situation, we can provide advice to ensure you have the right level of insurance in place to keep your finances protected.

Passing on your wealth

Estate planning is more important than just having a Will. We’ll work closely with you to understand how estate planning, which has emotional as well as financial consequences, can impact your overall financial plan.

Significant life events

Significant life events can present great opportunities but also considerable challenges. Whether you are going through a business sale, divorce or are receiving a lump sum, we’ll help build a financial plan to meet your changing lifestyle.

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