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  • Weekend Argus Saturday

    To minimise tax for the year ahead, start now

    Mar 20, 2021 3 minutes
    ANNA RICH
    Freepik

    MAXIMISING your contributions to a retirement fund – a pension fund, provident fund or retirement annuity (RA) – is the single most effective way of reducing your tax bill for the 2021/22 tax year, and experts agree it’s better to spread your contributions over the year than invest a large lump sum at the end of it.

    Mica Townsend, business development manager and employee benefits consultant at 10X Investments, says: “If you’re not using the maximum tax allowance (by contributing 27.5% of the greater

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