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

    @rome1453 ISA contributions are basically being fiscally dragged and effectively getting smaller and smaller every year. Just because nothing is being specifically done legislation wise does not mean ISA are protected. I'm not saying whether you should favour ISA over pension that's due to the...
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    Why the timing of tax relief doesn’t matter, and why that’s an oversimplification (especially for pensions)

    @outofthedarkness Future tax rules for any savings vehicle can change. Pensions aren’t unique in this. Look at the recent changes in the personal savings allowance You should only work on the current and known rules for your planning. Ignoring something because of ifs and buts is crazy.
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    Why the timing of tax relief doesn’t matter, and why that’s an oversimplification (especially for pensions)

    @onefootinheavenoneinhell I agree with you but getting 10 years worth of ISA contributions into a pension may not be easy or the most tax efficient. As you may not make the most of Higher rate or additional tax relief during those previous 10 years. Depends on the exact numbers and earnings of...
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