Thanks and thank you D <| sep |> Doesn ' t change the fact it ' s a cornerstone of the EU . It ' s not like the rest of the EU didn ' t benefit from it or didn ' t it ? I don ' t consider being a drag being a reality check . I concede that point . You joined after the EEC was formed but before the official inception of the EU . <| sep |> GIFV linkI am a bot . bot <| sep |> Yep I am a higherrate taxpayer . Generally should I be putting the most I can afford in ? It is just annoying how the company only puts in 4 %. You have two limits to watch . 40 K a year and the tax relief that goes with it . The lifetime allowance of 1 million . Depending on your current age , this is quite easy to hit , so watch it . I am currently 25 . Earning 48500 . Also when do you start investing in Vanguard LifeStrategy Funds ? For your pension ? now ? I guess what I ' m asking is Is it better for me to put the 4 % pre tax in the pension or Put the 4 % post tax in the vanguard fund