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@marriedwoman I think this concept works really well for people in medical professions. They can drop in and do locum or agency work on top of their day job, very easily. Demand is high and pay is often high. My friend can go and do £600 pre-tax for a day of work as a locum, condensed into a...

@neenah I didn’t say pensions were unique to this, but a pension is unique in that it is tied up for many years (depending on your age) so planning for its use is more difficult due to the longer timeline. If rules on ISAs changed tomorrow I could draw it all out. If the same happened to...

@roger5599 Thanks for this. I’m miles away from pension age and I’m simply using pension to keep me out of the dreaded marginal rate. I know I need money for the future but don’t know what future tax rules will look like, so save away what I can till I have amassed a significant pot. All of...

@roger5599 Thanks for this. I’m miles away from pension age and I’m simply using pension to keep me out of the dreaded marginal rate. I know I need money for the future but don’t know what future tax rules will look like, so save away what I can till I have amassed a significant pot. All of...

@cmarie212 What everyone who likes to fear monger forgets to say is that when interest rates were this high, interest could be offset against tax. It's not exactly a like-for-like comparison!

@%ED%8F%B4%EB%9D%BC%EA%B9%80 30 hours x 40 weeks = 1,200 1,200 ÷ 51 weeks (or 52 if open over Christmas week) is about 23.5 hours when spread out. Some providers like Busy Bees will cap the daily amount of hours that can be consumed on funding (i.e. 7.3 hours), and with a fixed 10 hour day...