šØ Abstract
Pensions and ISAs offer tax-free investment growth, with pensions providing additional government and employer contributions but restricting access until retirement (age 55, rising to 57). ISAs allow flexible, tax-free withdrawals but lack employer contributions. Lifetime ISAs (LISAs) offer a 25% government bonus for first-home buyers or retirement but have strict usage rules. Choosing between them depends on financial goals, tax status, and time horizon.
Courtesy: Rosie Murray-West
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