u/FuthaMucker69

Posting on behalf of a friend.....we have discussed back and forth and run it through varying AI but he wants human feedback.

80k salary 4.69% company contribution plus they pay over salary sac NI savings. He is fortunate enough to have a trust fund that is sitting around 90k returning on average 10% p/a, he wants to withdraw half to use for income and then salary sac as much as possible to fill his pension. Our understanding is he can use previous years allowance but can't exceed the 80k of his salary so is prepared to do this over the next couple of years.

Thoughts on efficiency of his plan or recommended tweaks?