Contractor Pensions

An opportunity for contractors to get more for their money.

Demographically, most contractors are years away from their target retirement date, so short term volatility is not an issue as the financial markets will recover in the medium to long term. The volatility and uncertainty of today’s financial markets could work in their favour as they can exploit the investment and savings opportunities of these troubled markets, enabling them to realise significant gains.

With the value of the financial markets, and most equities, at the lowest levels seen in decades, contractors investing in these markets will get so much more for their money, and this also applies to institutional investors like the pension funds.

There is also another very good reason for contractors to think about increasing pension contributions or taking out a private pension if they have not considered one before. All the money that the government has used to bail out the banks will have to be recouped through higher taxation, and pensions are the one non-contentious method which a contractor can use to mitigate their tax bill.

Indeed, the government has been pushing all workers to invest more in their private pensions, and contractors working through limited companies in particular can divert substantial sums into their pension funds from their pre-tax income.

If you have any questions about contracting or would like any further advice please call our New Client Services helpdesk on 0500 152500 or 01442 275789, or alternatively please email michelle.turbutt@sjdaccountancy.com.

SJD Accountancy

SJD Accountancy are the UK's largest specialist provider of fixed fee, limited company accountancy services to contractors; we've been acting for contractors across the UK since 1992 and have more than 11,000 clients.

We are the only National specialist firm of accountants with offices in all major UK cities so you’ll never be far from your accountant. SJD also have more qualified staff than any other firm in our market with qualifications from the following major tax and accountancy bodies - ATII, ATT, ACCA, CA, ACA, FCCA, ACMA. You’ll also be pleased to know that we are one of the lowest priced as well.

SJD have also won every relevant industry award possible, including:

  • Best Contractor Accountants - Contractor UK 2011 - 2007
  • Accountant of the Year - The British Accountancy Awards 2011
  • Best Professional Team of the Year - UK Customer Experience Award 2011
  • Customer Commitment Award - Institute of Customer Service 2011
  • National Chamber of Commerce Award 2010
  • Medium firm of the Year - Finalist Accountancy Age 2010
  • Excellence in Customer Service - Finalists National Customer Service Awards 2009
  • Sunday Times Best Small Companies - Award 2009 - 2007
  • Small firm of the Year - Accountancy Age 2007 & 2004 and finalists in 2010 and all years since 2003
  • Deemed PCG accredited accountants and fully MSC compliant

We offer all clients:

Free face-to-face meetings. This is another unique service, only SJD offers free face to face meetings - tax is complicated and sometimes only a meeting will do.
Unlimited access to your own dedicated accountant. No call centres, no outsourcing, no automated call handling. Simply telephone, e-mail or meet your own dedicated accountant face to face.
Money back service guarantee. All your telephone calls and e-mails will be answered the same day or we will refund your monthly fee's.
Outstanding reputation. We have won more awards for customer service and accountancy excellence than any other firm in our market.
All inclusive low cost monthly package which includes completion of accounts, payroll bureau, dividends and corporation tax computations, personal taxation, free bookkeeping software, unlimited access to your accountant and all company returns. 

All this for a fixed monthly fee of £110 plus VAT, which is one of the lowest prices in the market. And most importantly, in a recent survey 98% of our clients rated SJD as 'better than other accountants' - we are working hard to convince the other 2%!

If you have any question about contracting or would like any further advice please either contact your SJD Accountant or call our new client services helpdesk on 0500 152500 / 01442 275789 or email: michelle.turbutt@sjdaccountancy.com.

Appoint SJD Accountancy and never worry about your tax or accountancy affairs again!

You may also find the following pages, guides and case studies useful:

Take home pay calculator - How much could you be taking home
Contractor FAQ - All your frequently asked questions and their answers
First time Contracting or Freelancing? - A summary of the alternatives along with pros and cons
Choosing an accountant - For a full review
Step-by-step Guide to Contracting - Download a FREE copy of our guide
Limited or Umbrella? Can't decide? - We help you decide which is best for you
Guide to Contracting - All the best guides to contracting in one place
Expenses Guide - Know exactly what you can claim
Umbrella company guide - Everything you ever wanted to know about umbrella company services
IR35 Guide - A great plain English guide to IR35.

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