Some umbrella employers offer the option of salary sacrifice as part of their own independently administered pension scheme.
If you are offered a ‘salary sacrifice’ pension contribution, it means that you can give up part of your salary voluntarily. This is collected by the umbrella and paid into your pension pot. Generally, this will allow you to pay more into your pension pot than the workplace pension scheme and, similarly to the workplace pension scheme, is portable and flexible if you change the way you work. How much you ‘sacrifice’ is up to you, but the more you sacrifice the quicker your pension pot will grow.