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Salary sacrifice (with the intention of reducing your pay by upping your pension contrabution to avoid a little tax and national insurance ) looks like a win win for most people with a defined contrabution pension scheme. For most of the people are now in a career average pension scheme, this can reduce their pensions by hundreds of pounds and entail an equivalent cost of thousands (to buy £100 of inflation proofed pension a year. This is because the pension is calculated every year, so during the period of reduced pay they are generating a reduced pension. It can also be damaging to members who have been made redundant and pension packages offered have been cut back (because of their lower final pay)

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