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  1. D

    Why the timing of tax relief doesn’t matter, and why that’s an oversimplification (especially for pensions)

    @onefootinheavenoneinhell If you were mid-forties now, could you save into a Vanguard S&S ISA until just before pension unlock age (57 by then) and transfer it into a Vanguard SIPP and get the 20% uplift in one fell swoop? If this is the case, could you even do it later than 57, provided you...
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