💡 Salary sacrifice could add thousands — even hundreds of thousands — to your pension over time. Here’s how it works: • You give up part of your gross salary or bonus. • Your employer pays it straight into your pension. • Because both you and your employer save on National Insurance, more money goes into your pension without it costing you a penny more. 👉 Example: sacrifice £200 a month and, with employer NI savings passed back, you could see £230 invested instead. 👉 Higher-rate taxpayer with