I've heard that I will get a bonus but don't presently have either an existing external pension and am not a member of employers scheme. I dont' envisage staying with existing employer for another 2 years and they offer a match of employee contribution. I can only join employers scheme in a few months.
If I started my own external pension could I ask employer to pay bonus to that as an AVC and avoid the tax? I'm assuming if I was in employers scheme that I could ask for this to paid into scheme as an AVC? If I left the employer scheme in say 6 months could I transfer the amount in that scheme to a new external pension and keep the tax relief on my own contributions and bonus contribution, I'd assume that the employer contribution would be clawed back?
If I started my own external pension could I ask employer to pay bonus to that as an AVC and avoid the tax? I'm assuming if I was in employers scheme that I could ask for this to paid into scheme as an AVC? If I left the employer scheme in say 6 months could I transfer the amount in that scheme to a new external pension and keep the tax relief on my own contributions and bonus contribution, I'd assume that the employer contribution would be clawed back?