Auto-enrolment freeze to hurt low earners the most

The government's decision to freeze the auto-enrolment threshold at £10,000 for 2019/20 will hurt the most vulnerable, experts warn. At present, the threshold for automatic enrolment is £10,000 and the personal allowance for income tax is £11,850. Whether or not workers between these two thresholds get tax relief on their pension contributions depends of the scheme their employer has chosen.   Members of pension schemes who do not pay income tax are granted basic rate tax relief of 20% on pension contributions up to £2,880 a year.This means HMRC will top up a net contribution of £2,88...