Start salary sacrifice contributions

  1. Speak to a financial adviser to discuss your personal financial situation and whether a salary sacrifice arrangement will work for you.
  2. Talk to your employer about how much you'd like to deduct from your pay, and they'll set up your automatic contributions.

Benefits of salary sacrifice

You can pay less tax.

  • These contributions are taxed at 15%, which is generally lower than the tax you’d pay if you received it as take-home pay.
  • It can reduce your taxable income so you may pay less income tax.

Things to consider

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