Transfer ISA into Pension: is this feasible?

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Hello,
After the very helpful advice on this forum, I am now contributing 22% (12% employer, 10% myself) into my company workplace pension. As I started quite late (46) and find myself with some disposable cash at the end of the month, I would like to invest more. But for this extra bit, I would like the flexibility of an S&S ISA. Therefore I was considering opening a S&S share account, invest monthly, and move that later on into the workplace pension to get the 40% tax relief boost and all the benefit from being in the 20% bracket once retired. The questions are:
Is this feasible?
Is this sensible?
Are there benefits in doing so?
I will have to transfer into the pension when the ISA value gets close to the left over allowance for that year plus the 3 previous one (so if total contribution in the workplace pension are 15K per year, I will have to transfer when the ISA is worth around 75K) , correct?
As always many thanks for any feedback, much appreciated

dunstonh

If you are higher rate taxpayer currently I would invest now rather than later. Higher rate tax relief is believed to be on its last legs. You could end up waiting and finding it abolished by the time you want to do it.

I will have to transfer into the pension when the ISA value gets close to the left over allowance for that year plus the 3 previous one (so if total contribution in the workplace pension are 15K per year, I will have to transfer when the ISA is worth around 75K) , correct?

Do you have the income to support such a transaction? For example, if you make a £120k pension contribution, using carry forward, you need to have £120k earnings.

o if total contribution in the workplace pension are 15K per year, I will have to transfer when the ISA is worth around 75K) , correct?

Not sure where you get those figures from.

If you want to use only some of the carry forward allowance and its £75k you want to put in the pension then you need to have £75k of earnings. Plus, you will only get higher rate relief on the amount in the higher rate band. Not all of it. So, not as good as doing some each year.

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Thank you dunstonh. I am now contributing 22% in the workplace pension following your suggestions, amongst the others, from a different thread. But for this last bit of cash, I wouldn't want to be with my hands tied, therefore I am willing to risk loosing the extra tax relief and trade it in exchange of easy access to my money.
The 75k was the result of 40k (annual allowance) - 15k(what is going in the workplace pension), all times 3 (current + 2 left over allowances from previous years). I do understand I need salary to support this.
So would you confirm that this is all doable? And then all the better if high tax relief is still available in the (near) future.