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@roger5599 Hi! I was one of the people who replied to the other post you refer to, talking about tax relief timing. This is a helpful post for those who struggle with the non-intuitive and conceptual point around the timing issue, so thanks for that. I personally don't think the Wiki falls...

@neenah I don't necessarily agree. There is patently a trend in the increase of the minimum pension withdrawal age. That is a significant concern for me. I don't see any such trend in a worsening position of ISAs. I don't think it's unreasonable for me to factor this into my investment...