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Where Taxpayers and Advisers Meet

Pension recycling - reference period?

bootdweller
Posts:3
Joined:Sun Sep 07, 2025 12:07 pm
Pension recycling - reference period?

Postby bootdweller » Sun Mar 01, 2026 3:51 pm

When testing if recycling has happened, I understand the part about the 5 year reference window about contribution totals (ie current year, 2 years back and 2 years forward). However Step Two in the decision tree is worded as:

"Are the additional contributions over the 5-year period more than 30% of the PCLS take?"

In this context, what is the reference time period for the "PCLS take"? Is it the tax year that the PCLS is taken or is it the total for all of the 5 years as set out above?

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