Benefits and paying into private pension

I don't know if there's a limit but it's a good idea to do! ❤️

You can choose direct debit or manual payment, whichever you prefer.

You can stop and start paying into them whenever you like. Nothing bad happens. The money will remain in there until you reach pension age. Just be aware that they will charge fees which are fairly small each month, but over decades are likely to reduce the pension amount if you stop paying for a long time.

SIPPs offer you the option of making your own investment choices OR letting the system do it all for you. I haven't even looked at mine since I set it up a year ago. Really no hassle at all.

They are all called SIPP, that's just an umbrella term, a bit like the word 'benefits' covers all different types.

Try this link - Universal Retirement Fund - Retirement Age - Aviva

This is the most basic SIPP that Aviva offer. You don't have to do anything yourself.

(I'm not saying you must use this one, just an example of one that doesn't need any managing.)

Hi,

That figure is based on the tax allowance for non-earners, it's not a benefits specific thing.

So you should each have the individual allowance of £2880 per year, or £240 per month. It would be worth double checking that with an advice centre or a pension provider. If either person has earnings separate from benefits then that could increase their yearly allowance.

For clarity, you can pay more than that into a pension. It's just that anything over the allowance (£2880 in our case) would be taxed so it's best to keep under the limit for the tax relief.