In our weekly series , readers can email any question about their finances, to be answered by our expert, Rosie Hooper. Rosie is a chartered financial planner at Quilter Cheviot Financial Planning and has worked in financial services for 25 years. If you have a question for her, email us at money@inews.co.uk .

Question: I give up 10 per cent of my salary every year via salary sacrifice and put it into my pension. It reduces my take-home pay and therefore my tax liability. If it is scrapped at the Budget – as some suggest it may – will I be hit with a tax bill?

Answer: Every Budget cycle brings its fair share of rumour, but this year speculation about pensions has been unusually lively. One idea doing the rounds is that the government might place a £2,000 cap on the national ins

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