zico wrote:With a SIPP you can simply withdraw the 75% that isn't part of a lump sum - it's just something to pay tax on.
Seems to me that you can put in £2,880 to a SIPP at (say) end-March, then withdraw £3,600 once the tax credit has been added, and of that amount 25% is a tax-free, hence saving 25% of the £720 - i.e. £180 in just a few months.
SIPPs are not free though, so you need to deduct charges from that.
Mel