I have about £60k -£80k available in my limited company to invest each year. How can I best use this?

19 July 2021

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Question by Kev

I am a small business owner and have used the maximum £40k allowance for personal pension for both my wife and myself. I have about another £60k -£80k available in my limited company to invest each year (in addition to my £40k pension). How can I best use this - I do not need to earn an income from it - but I want to invest it through my company. Thank you.


Answered by Rachel Efetha

Hi Kev,

Thank you for your question. Have you previously maximised your annual allowances for pensions? If not you're allowed to carry forward unused allowance for three years, so let's say you have paid £30k each into a pension for 2018/19, 2019/20 & 2020/21 then you would have £30k unused allowance for each of those tax years, meaning that you can pay an additional £30k each during the tax year 2021/22.

I hope this helps, but if not then feel free to click on my contact button to ask me more.

Answered by

Rachel Efetha

Chartered Financial Designer

Rachel has nearly 30 years’ experience in Financial Services, with the last 21 years advising clients. She advises on a holistic basis but particularly enjoys Cashflow Planning to see when her clients can afford to retire, and has reduced grown men to tears twice by telling them they could afford to resign right now. As a divorcee herself, Rachel loves coaching women going through divorce to take financial control, and has successfully argued with solicitors to gain her clients a much bigger slice of the pension pie.