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@annakorp https://www.moneysavingexpert.com/savings/lifetime-isas/ This article, plus a browse of UKPF convinced me otherwise. If I am happy locking money away until post 60 then I believe your Options A and B are the best bet. Actually I believe Added Pension to be best. This is probably a...

@annakorp I too chose Option F just recently. I'm happy Alpha will be sufficient if I retire at SPA. Even if I retire early, I feel I can retire a good few years early before the reductions are enough that things would be tight. A S&S ISA gives me lots of options between now and retirement. I...