{"id":35352,"date":"2023-01-30T23:49:53","date_gmt":"2023-01-30T22:49:53","guid":{"rendered":"https:\/\/www.investglass.com\/?p=35352"},"modified":"2026-04-17T14:14:05","modified_gmt":"2026-04-17T12:14:05","slug":"%e9%93%b6%e8%a1%8c%e5%ae%b6%e5%a6%82%e4%bd%95%e7%ae%a1%e7%90%86%e8%8b%b1%e5%9b%bd%e5%85%bb%e8%80%81%e9%87%91%e7%bb%88%e8%ba%ab%e5%85%8d%e7%a8%8e%e9%a2%9d","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/how-bankers-can-manage-pension-lifetime-allowance-in-the-uk\/","title":{"rendered":"\u94f6\u884c\u5bb6\u5982\u4f55\u7ba1\u7406\u82f1\u56fd\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\"(\u300a\u4e16\u754c\u4eba\u6743\u5ba3\u8a00\u300b)&nbsp;<strong>\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\uff08LTA\uff09<\/strong>&nbsp;\u662f\u6307\u5728\u4e0d\u9762\u4e34\u989d\u5916\u7a0e\u8d39\u7684\u60c5\u51b5\u4e0b\uff0c\u60a8\u53ef\u4ee5\u5b58\u5165\u517b\u8001\u91d1\u7684\u9650\u989d\u3002\u5b83\u88ab\u51bb\u7ed3\u5728&nbsp;<strong>1 073 100 \u82f1\u9551\uff0c\u76f4\u81f3 2026 \u5e74 4 \u6708<\/strong>, \u6839\u636e&nbsp;<a href=\"https:\/\/www.gov.uk\/government\/publications\/setting-the-standard-lifetime-allowance-from-2021-to-2022-to-2025-to-2026\/setting-the-standard-lifetime-allowance-from-2021-to-2022-to-2025-to-2026\">\u82f1\u56fd\u653f\u5e9c<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d85\u8fc7\u957f\u671f\u534f\u8bae\u7684\u91d1\u989d\u4f1a\u5f15\u53d1\u4ee5\u4e0b\u7a0e\u8d39&nbsp;<strong>55%<\/strong>&nbsp;(\u4e00\u6b21\u603b\u4ed8\uff09\u6216&nbsp;<strong>25%<\/strong>&nbsp;(\u6536\u5165\uff09\uff0c\u4f46\u5728&nbsp;<strong>2023 \u5e74\u6625\u5b63\u9884\u7b97<\/strong>, \u82f1\u56fd\u653f\u5e9c\u5ba3\u5e03\uff0c\u957f\u671f\u534f\u8bae\u5c06&nbsp;<strong>\u81ea 2024 \u5e74 4 \u6708\u8d77\u53d6\u6d88<\/strong><br>(<a href=\"https:\/\/www.gov.uk\/government\/publications\/abolishing-the-pensions-lifetime-allowance\">Gov.uk - \u53d6\u6d88\u957f\u671f\u534f\u8bae<\/a>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\u662f\u653f\u5e9c\u4e3a\u60a8\u7684\u517b\u8001\u57fa\u91d1\u5728\u7f34\u7a0e\u524d\u5141\u8bb8\u62e5\u6709\u7684\u91d1\u989d\u8bbe\u5b9a\u7684\u9650\u989d\u3002\u8be5\u9650\u989d\u4e8e 2006 \u5e74\u5f15\u5165\uff0c\u76ee\u524d\u4e3a 1,073,100 \u82f1\u9551\u3002\u5728 2026 \u5e74\u4e4b\u524d\uff0c\u8be5\u9650\u989d\u4e00\u76f4\u88ab\u51bb\u7ed3\u5728\u8fd9\u4e00\u6c34\u5e73\u4e0a\uff0c\u5c4a\u65f6\u5c06\u518d\u6b21\u8fdb\u884c\u5ba1\u67e5\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-lifetime-allowance\">\u4ec0\u4e48\u662f\u7ec8\u751f\u514d\u7a0e\u989d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\u662f\u653f\u5e9c\u4e3a\u60a8\u7684\u517b\u8001\u57fa\u91d1\u5728\u7f34\u7a0e\u524d\u5141\u8bb8\u62e5\u6709\u7684\u91d1\u989d\u8bbe\u5b9a\u7684\u9650\u989d\u3002\u8be5\u9650\u989d\u4e8e 2006 \u5e74\u5f15\u5165\uff0c\u76ee\u524d\u4e3a 1,073,100 \u82f1\u9551\u3002\u8d85\u8fc7\u6b64\u9650\u989d\u7684\u4efb\u4f55\u7f34\u6b3e\u90fd\u5c06\u6309 25% \u5f81\u7a0e\uff0c\u56e0\u6b64\uff0c\u5982\u679c\u60a8\u60f3\u6700\u5927\u9650\u5ea6\u5730\u5229\u7528\u60a8\u7684\u9000\u4f11\u50a8\u84c4\uff0c\u5c31\u5fc5\u987b\u4fdd\u6301\u5728\u9650\u989d\u4e4b\u5185\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SIPP\uff08\u81ea\u6211\u6295\u8d44\u4e2a\u4eba\u517b\u8001\u91d1\uff09\u662f\u4e00\u79cd\u517b\u8001\u91d1\u8ba1\u5212\uff0c\u5141\u8bb8\u60a8\u81ea\u5df1\u51b3\u5b9a\u5982\u4f55\u7ba1\u7406\u517b\u8001\u91d1\u57fa\u91d1\u4e2d\u7684\u6295\u8d44\u3002\u8fd9\u662f\u4e00\u79cd\u7ba1\u7406\u517b\u8001\u91d1\u4f9b\u6b3e\u7684\u6709\u6548\u65b9\u5f0f\uff0c\u4e0e\u5176\u4ed6\u4f20\u7edf\u8ba1\u5212\u76f8\u6bd4\u5177\u6709\u66f4\u5927\u7684\u7075\u6d3b\u6027\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SIPP \u662f\u4e00\u79cd\u8282\u7a0e\u578b\u4e2a\u4eba\u517b\u8001\u91d1\u8ba1\u5212\uff0c\u5141\u8bb8\u60a8\u79ef\u7d2f\u9000\u4f11\u57fa\u91d1\uff0c\u76ee\u7684\u662f\u63d0\u4f9b\u6bd4\u5176\u4ed6\u517b\u8001\u91d1\u8ba1\u5212\u66f4\u9ad8\u7684\u56de\u62a5\u3002\u4f46\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4efb\u4f55\u8d85\u8fc7\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\u7684\u7f34\u6b3e\u90fd\u5c06\u88ab\u5f81\u6536\u66f4\u9ad8\u7684\u7a0e\u8d39\u3002InvestGlass \u6570\u5b57\u8868\u683c\u53ef\u7528\u4e8e\u4fc3\u8fdb <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/zh\/%e6%95%b0%e5%ad%97%e5%85%a5%e8%81%8c\/\" title=\"\u6570\u5b57\u5165\u804c\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"141\">\u6570\u5b57\u5165\u804c<\/a> \u5e76\u8f7b\u677e\u8ddf\u8e2a\u60a8\u7684\u7f34\u6b3e\u60c5\u51b5\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-if-i-exceed-the-lifetime-allowance\">\u8d85\u8fc7\u7ec8\u8eab\u514d\u7a0e\u989d\u4f1a\u600e\u6837\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5bf9\u517b\u8001\u57fa\u91d1\u7684\u7f34\u6b3e\u8d85\u8fc7\u4e86\u7ec8\u8eab\u514d\u7a0e\u989d\uff0c\u60a8\u5c06\u88ab\u5f81\u7a0e\u3002\u5373\u4f7f\u60a8\u9000\u4f11\u65f6\u7684\u517b\u8001\u91d1\u50a8\u84c4\u603b\u989d\u5c11\u4e8e\u7ec8\u8eab\u514d\u7a0e\u989d\uff0c\u4e5f\u4f1a\u88ab\u5f81\u7a0e\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e94\u7f34\u7a0e\u989d\u53d6\u51b3\u4e8e\u60a8\u662f\u5426\u6709 \u2018\u7075\u6d3b\u798f\u5229\"\uff0c\u5373\u5141\u8bb8\u60a8\u4ece\u517b\u8001\u57fa\u91d1\u4e2d\u4e00\u6b21\u6027\u63d0\u53d6\u8d44\u91d1\u3002\u5982\u679c\u60a8\u62e5\u6709\u7075\u6d3b\u798f\u5229\uff0c\u5219\u9700\u7f34\u7eb3\u8d85\u8fc7\u7ec8\u8eab\u514d\u7a0e\u989d\u7684 25% \u7a0e\u6b3e\u3002\u5982\u679c\u6ca1\u6709\uff0c\u5219\u4e3a 55%\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u907f\u514d\u8d85\u8fc7\u7ec8\u8eab\u514d\u8d54\u989d\u7684\u6700\u4f73\u65b9\u6cd5\u662f\u8ddf\u8e2a\u81ea\u5df1\u7684\u7f34\u8d39\u60c5\u51b5\uff0c\u786e\u4fdd\u4e0d\u8d85\u8fc7\u9650\u989d\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-know-if-i-ve-breached-the-lifetime-allowance\">\u5982\u4f55\u77e5\u9053\u6211\u662f\u5426\u8d85\u51fa\u4e86\u7ec8\u8eab\u514d\u7a0e\u989d\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u81ea\u5df1\u662f\u5426\u5df2\u7a81\u7834\u7ec8\u8eab\u514d\u8d54\u989d\u7684\u6700\u4f73\u65b9\u6cd5\u662f\u8ddf\u8e2a\u81ea\u5df1\u5728\u4e0d\u540c\u517b\u8001\u91d1\u4e2d\u7684\u6240\u6709\u7f34\u8d39\u60c5\u51b5\u3002\u8fd9\u53ef\u4ee5\u901a\u8fc7\u67e5\u770b\u517b\u8001\u91d1\u63d0\u4f9b\u8005\u63d0\u4f9b\u7684\u517b\u8001\u91d1\u50a8\u84c4\u603b\u989d\uff0c\u6216\u4f7f\u7528 InvestGlass \u7b49\u5728\u7ebf\u6295\u8d44\u8ddf\u8e2a\u5e73\u53f0\u7b49\u5de5\u5177\u6765\u5b9e\u73b0\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u5efa\u8bae\u60a8\u4f7f\u7528 InvestGlass CRM \u548c\u6d3b\u52a8\u5de5\u5177\u7ba1\u7406\u8fd9\u4e9b\u6d25\u8d34\u8ba1\u5212\u3002\u6d3b\u52a8\u5de5\u5177\u975e\u5e38\u6709\u52a9\u4e8e\u76d1\u63a7\u548c\u8ddf\u8e2a\u5ba2\u6237\u8fdb\u5ea6\uff0c\u800c\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u5de5\u5177\u5219\u53ef\u5c06\u6240\u6709\u76f8\u5173\u6570\u636e\u5b58\u50a8\u5728\u4e00\u4e2a\u5730\u65b9\uff0c\u5e76\u5728\u9700\u8981\u65f6\u8fdb\u884c\u8bbf\u95ee\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-could-the-lifetime-allowance-freeze-affect-my-clients\">\u51bb\u7ed3\u7ec8\u8eab\u514d\u7a0e\u989d\u4f1a\u5bf9\u6211\u7684\u5ba2\u6237\u4ea7\u751f\u4ec0\u4e48\u5f71\u54cd\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u653f\u5e9c\u51b3\u5b9a\u5c06\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\u51bb\u7ed3\u81f3 2026 \u5e74\uff0c\u5982\u679c\u60a8\u8ba1\u5212\u5728\u672a\u6765\u51e0\u5e74\u5185\u8fdb\u884c\u5927\u989d\u7f34\u8d39\uff0c\u8fd9\u53ef\u80fd\u4f1a\u5bf9\u60a8\u7684\u9000\u4f11\u50a8\u84c4\u4ea7\u751f\u5f71\u54cd\u3002\u7531\u4e8e\u5728\u6b64\u671f\u95f4\u9650\u989d\u4ecd\u4e3a 1,073,100 \u82f1\u9551\uff0c\u4efb\u4f55\u8d85\u8fc7\u6b64\u9650\u989d\u7684\u7f34\u6b3e\u90fd\u53ef\u80fd\u88ab\u5f81\u7a0e\u3002\u5982\u679c\u60a8\u7684\u517b\u8001\u91d1\u63a5\u8fd1\u9650\u989d\uff0c\u6709\u4e00\u4e9b\u65b9\u6cd5\u53ef\u4ee5\u7ba1\u7406\u60a8\u7684\u517b\u8001\u91d1\uff0c\u4f8b\u5982\u8003\u8651\u5176\u4ed6\u7c7b\u578b\u7684\u6295\u8d44\u3001\u505c\u6b62\u7f34\u8d39\u6216\u63d0\u524d\u9886\u53d6\u517b\u8001\u91d1\u798f\u5229\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-i-do-if-my-clients-are-nearing-the-lifetime-allowance\">\u5982\u679c\u6211\u7684\u5ba2\u6237\u63a5\u8fd1\u7ec8\u8eab\u514d\u7a0e\u989d\uff0c\u6211\u8be5\u600e\u4e48\u529e\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5df2\u63a5\u8fd1\u7ec8\u8eab\u514d\u8d54\u989d\uff0c\u90a3\u4e48\u8003\u8651\u60a8\u7684\u9009\u62e9\u975e\u5e38\u91cd\u8981\u3002\u60a8\u53ef\u4ee5\u505c\u6b62\u7f34\u8d39\uff0c\u6295\u8d44\u4e8e\u80a1\u7968\u7b49\u5176\u4ed6\u7c7b\u578b\u7684\u6295\u8d44\uff0c\u6216\u8005\u63d0\u524d\u9886\u53d6\u517b\u8001\u91d1\u3002\u4e0d\u8fc7\uff0c\u5728\u505a\u51fa\u4efb\u4f55\u6709\u5173\u9000\u4f11\u50a8\u84c4\u7684\u51b3\u5b9a\u4e4b\u524d\uff0c\u4e00\u5b9a\u8981\u5f81\u6c42\u8d22\u52a1\u987e\u95ee\u7684\u610f\u89c1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u517b\u8001\u91d1\u662f\u9057\u4ea7\u7a0e\uff08IHT\uff09\u89c4\u5212\u7684\u91cd\u8981\u5de5\u5177\u3002\u9057\u4ea7\u7a0e\u662f\u5bf9\u6b7b\u4ea1\u540e\u8d22\u5bcc\u8f6c\u79fb\u5f81\u6536\u7684\u4e00\u79cd\u7a0e\uff0c\u9002\u7528\u4e8e\u4e00\u4e9b\u4ee3\u4ee3\u76f8\u4f20\u7684\u793c\u7269\u548c\u8d44\u4ea7\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8003\u8651\u9057\u4ea7\u7a0e\u65f6\uff0c\u5fc5\u987b\u5c06\u517b\u8001\u91d1\u8003\u8651\u5728\u5185\u3002\u517b\u8001\u91d1\u7f34\u8d39\u5305\u62ec\u5728\u4e2a\u4eba\u9057\u4ea7\u603b\u4ef7\u503c\u4e2d\uff0c\u4efb\u4f55\u8d85\u8fc7\u7ec8\u8eab\u514d\u7a0e\u989d\u7684\u7f34\u8d39\u90fd\u53ef\u80fd\u88ab\u5f81\u7a0e\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-other-types-of-investments-could-i-use\">\u6211\u8fd8\u53ef\u4ee5\u5229\u7528\u54ea\u4e9b\u5176\u4ed6\u7c7b\u578b\u7684\u6295\u8d44\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u5df2\u63a5\u8fd1\u7ec8\u8eab\u514d\u7a0e\u989d\uff0c\u5e76\u5e0c\u671b\u907f\u514d\u8d85\u8fc7\u514d\u7a0e\u989d\uff0c\u60a8\u53ef\u4ee5\u8003\u8651\u5176\u4ed6\u6295\u8d44\u65b9\u5f0f\u3002\u4e0e\u5176\u4ed6\u6295\u8d44\u76f8\u6bd4\uff0c\u80a1\u7968\u6295\u8d44\u53ef\u4ee5\u63d0\u4f9b\u9002\u5f53\u7684\u56de\u62a5\uff0c\u800c\u4e14\u98ce\u9669\u8f83\u4f4e\u3002\u60a8\u53ef\u4ee5\u901a\u8fc7\u80a1\u7968\u7ecf\u7eaa\u4eba\u6216 InvestGlass \u7b49\u5728\u7ebf\u4ea4\u6613\u5e73\u53f0\u8fdb\u884c\u6295\u8d44\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u80a1\u7968\u548c\u80a1\u4efd<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e2a\u4eba\u50a8\u84c4\u8d26\u6237\uff08ISA\uff09\u662f\u4e00\u79cd\u514d\u7a0e\u50a8\u84c4\u548c\u6295\u8d44\u7684\u597d\u65b9\u6cd5\u3002\u5b83\u96c6\u7075\u6d3b\u6027\u548c\u7a0e\u6536\u6548\u7387\u4e8e\u4e00\u8eab\uff0c\u975e\u5e38\u5177\u6709\u5438\u5f15\u529b\uff0c\u5141\u8bb8\u60a8\u5728\u6bcf\u4e2a\u7eb3\u7a0e\u5e74\u5ea6\u5c06\u6700\u591a 20,000 \u82f1\u9551\u7684\u8d44\u91d1\u4ee5\u4efb\u4f55\u7ec4\u5408\u5b58\u5165\u73b0\u91d1\u548c\u80a1\u7968\u4e2a\u4eba\u50a8\u84c4\u8d26\u6237\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u73b0\u91d1 ISA\uff0c\u60a8\u53ef\u4ee5\u514d\u7a0e\u8d5a\u53d6\u50a8\u84c4\u5229\u606f\uff0c\u800c\u80a1\u7968 ISA \u5219\u5141\u8bb8\u60a8\u514d\u7a0e\u6295\u8d44\u80a1\u7968\u5e02\u573a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8d22\u4ea7<\/strong><\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u8d8a\u6765\u8d8a\u591a\u5730\u5bfb\u6c42\u5229\u7528\u6280\u672f\u4e3a\u5ba2\u6237\u63d0\u4f9b\u6700\u4f73\u670d\u52a1\u7684\u65b9\u6cd5\u3002InvestGlass \u5c31\u662f\u8fd9\u6837\u4e00\u79cd\u53ef\u4ee5\u5e2e\u52a9\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\u7684\u6280\u672f\u3002InvestGlass \u662f\u4e00\u79cd\u57fa\u4e8e\u4e91\u7684\u521b\u65b0\u6280\u672f\uff0c\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u4e3a\u5ba2\u6237\u63d0\u4f9b\u5168\u9762\u7684\u6295\u8d44\u89c6\u56fe\uff0c\u8ba9\u5ba2\u6237\u80fd\u591f\u8f7b\u677e\u76d1\u63a7\u5176\u517b\u8001\u91d1\u7ec8\u751f\u6d25\u8d34\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>The&nbsp;pension Lifetime Allowance (LTA)&nbsp;is the limit on how much you can save in your pension without facing extra tax charges. It was frozen at&nbsp;\u00a31,073,100 until April 2026, according to&nbsp;Gov.uk. Exceeding the LTA used to trigger tax charges of&nbsp;55%&nbsp;(lump sum) or&nbsp;25%&nbsp;(income), but in the&nbsp;Spring Budget 2023, the UK government announced the LTA would be&nbsp;abolished from April [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":35353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[376,375],"class_list":["post-35352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-isas","tag-manage-pension-lifetime-allowance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Manage Pension Lifetime Allowance Effectively<\/title>\n<meta name=\"description\" content=\"The&nbsp;pension Lifetime Allowance (LTA)&nbsp;is the limit on how much you can save in your pension without facing extra tax charges. It was frozen\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u94f6\u884c\u5bb6\u5982\u4f55\u7ba1\u7406\u82f1\u56fd\u517b\u8001\u91d1\u7ec8\u8eab\u514d\u7a0e\u989d\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How bankers can manage pension lifetime allowance in the UK?\" \/>\n<meta property=\"og:description\" content=\"The&nbsp;pension Lifetime Allowance (LTA)&nbsp;is the limit on how much you can save in your pension without facing extra tax charges. 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