ISA's versus Personal Pension

jem16

fairleads wrote: »

Also Dh, You have in the past mentioned costs of a SIPP as being 50 to 100% greater than a stakeholder of 1% amc.

He has also mentioned loads of times that for the majority of people who use funds, the SIPP would be the most expensive option and that a personal pension or stakeholder, depending on level of contribution, would be best.

dunstonh

jem16 wrote: »

He has also mentioned loads of times that for the majority of people who use funds, the SIPP would be the most expensive option and that a personal pension or stakeholder, depending on level of contribution, would be best.

I even mentioned in on post #39 on this thread:

One thing to note is that on pensions, if you are novice investor and use a portfolio fund, then these actually tend to be cheaper on pensions than unit trusts/OEIC versions. So, there will always be examples where one may be better than the other. However, if we stick to say Invesco perpetual high income UT version, then the cost of that is the same irrespective of wrapper.