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Pension
TheHenry pension help category, talking all things pension, salary sacrifice
Should You Maximize Your ISA and Pension Now or Use Pound Cost Averaging Strategy
When it comes to investing in your ISA and pension, a common question is whether you should put in the full allowance as soon as possible or spread your contributions over time using pound cost averaging. Each year, the ISA and pension tax allowances reset, offering a fresh opportunity to invest tax-efficiently. But which approach works best for your financial goals and peace of mind? I’ve explored both strategies to help you decide what might suit your situation. Understandi
Phil M
Jan 124 min read


Top Financial Mistakes to Avoid in Your 30s for Long-Term Wealth Building
When you’re in your 30s, the financial choices you make can shape your future in powerful ways. Many people underestimate how much impact early decisions have on long-term wealth. Avoiding common pitfalls now can set you up for financial freedom later. I’ve seen firsthand how financial mistakes most people make when young can hold them back, but with the right approach, your 30s can be the decade you build a strong foundation. Maximising ISAs and pensions is key to UK wealth
Hugo M
Jan 74 min read


Maximizing Your ISAs vs Pensions
When it comes to building wealth for the future, many high earners face a common question: should I focus on maxing out my ISAs or prioritizing my pension contributions? Both options offer valuable tax advantages and growth potential, but understanding their differences and benefits can help you make smarter decisions. In this post, I’ll walk you through the key features of ISAs and pensions, highlight how providers like InvestEngine and Penfold can support your goals, and sh
Phil M
Dec 27, 20254 min read


Proven Strategies for High Earners to Build Wealth by 2026
Many high earners find themselves in a tricky spot: earning well but not yet feeling truly rich. If you’re in this group, you might be wondering how to turn your strong income into lasting wealth by 2026. I’ve been there, and I want to share practical steps that helped me—and can help you—build real financial security in the next few years. This post covers smart ways to grow your savings, invest wisely, and keep your spending in check. We’ll look at how to make the most of y
Phil M
Dec 26, 20254 min read


Welcome to TheHenry: Your Guide to Wealth Building for High Earners
If you earn over £100,000 a year but don’t yet feel rich, you’re not alone. Many high earners find themselves in this position—earning a solid income but still unsure how to grow their wealth effectively. That’s exactly why I created TheHenry. This website is designed to help high earners, not rich yet , like you, take control of your finances, save smartly, and invest wisely with tax efficiency in mind. Whether you want to build a safety net, plan for early retirement, or si
Phil M
Dec 26, 20253 min read


Maximize Your Savings: Understanding Salary Sacrifice, Pension Contributions, and Tax Benefits
Saving for retirement can feel overwhelming, especially when you want to make the most of your income while reducing your tax bill. One powerful way to boost your savings is through salary sacrifice into your pension . This method not only helps you build a larger retirement fund but also offers significant tax advantages. In this post, I’ll walk you through how salary sacrifice works, the limits on contributions, the tax savings you can expect, and the potential growth of y
Phil M
Dec 26, 20253 min read
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