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It is from memory a legal and general provided scheme, so on some level the fee free is genuine compared to if you had a legal and general sipp you set up yourself. I used it for convenience to top up beyond the uss dB scheme and have actually had decent enough returns on some of the admittedly limited fund selections to continue to keep it open having left the job/uss scheme.
sidewinder
Is a collective DC a thing? My understanding is that it is basically a sipp, but with limited fund options and no fees. But I can only assume/suspect that the ‘no fees’ is actually just the fees being hidden in another way.
Hard to compare a closed USS fund with the usual low cost trackers using Morningstar etc.
Salary sacrifice is obviously a benefit compared to post tax contributions and a self assessment. But from what I can work out the NI saving is minimal and I’m already a Ltd Company doing my own tax returns so one more for my wife is not a deal breaker.