Inherited pension

[Jonnycoe]

I have a inherited sipp pension from my dad. He died after the age of 75 so any income I take is taxed as earnings.
As I earn just over 50k a year any income I take from his pension would be taxed at 40%.
My question is, if I was to increase my employee pension contributions to my full salary amount every month and then use my inherited pension to live off would my tax lower back down to 20% as long as I did not take more than 50 k a year out of my inherited pension.
Sorry if this question does not make sense but I can't think of any other way to word it.
Jon

[JOHNRE]

You should certainly investigate using “salary sacrifice” to reduce your gross taxable income. However, employers are not allowed to reduce your pay to below the National Minimum Wage. Here’s a useful article (my own son is currently investigating this)
https://getpenfold.com/employer-tools/salary-sacrifice-pension-tax-relief

[strawn]

Having used salary sacrifice to get his income down to minimum wage, our poster could presumably make SIPP contributions so that his income falls to effectively zero, leaving room for the desired £50k of income from Father's pension. This would work wouldn't it?

[darthblingbling]

Given they're already drawing down a pension, have they not already triggered the MPAA rules so the max relief is gonna be £10k anyway?

Appreciate I'm not an expert on this specific area and there may be a carve out for inherited pensions.