If you hit that you normally salary sacrifice pension to drop you out of that.
Also the UK has very generous matching for pensions
Also the UK has very generous matching for pensions
For most 40% tax bracket earners (earning less than £100K) once you get beyond your employers match, there's not much benefit to a workplace pension. A £100K earner sacrificing 10% in to a workplace pension scheme is only £200/year better off than someone taking home that 10% and paying it in to a self-managed scheme (provided they reclaim the tax).
Things change dramatically over £100K. Someone earning £120K and sacrificing £20K in to an employer scheme ends up £4400/yr better off than with a self-managed scheme.
You get tax relief at your rate of income tax, which is much better for higher rate tax payers