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@gardenlady Pension payouts are treated as income, and are taxed when we take money out of them. ISA savings don't attract tax when they earn interest, dividends, etc. And since they're savings, they don't attract tax since they're not income. My recommendation is that ISAs in some form are...

@gardenlady I wrote a thing... I'm not sure you will all agree with every aspect, feel free to use it as a template though. I'll copy it here for convenience, and you can shred me in the comments. A consistent, simplified, fair, and savings incentivising investment taxation regime I believe...