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in ISAs & tax-free savings
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Isn't that a hypothetical point though, in that we don't know what tax relief OP's pension gets?
No disrespect to employers or Peoples Pension, though Sipp I feel more inclined to make my Personal Conts to.
I have considered using my own Natwest General Investment savings, and placing a sum from that into Sipp, I only wonder If I have enough years to see any gains, or if it's silly using Gia potential returns.
There is option to make Personal Conts over 3%, to be clear these would Not be matched by Employers.
Though I have never thought in any detail, I guess Max Employers is in effect 3% so I have reached them without doing anything.
Not sure what the second part of your post means.
The returns you get in ISA/GIA/pension are determined by the investment not the fact they are ISA/GIA/pension.
So if you move from GIA investing in fund A to pension investing in fund A the returns will be the same (because it is the same fund).
As well as checking what your employer is paying into your pension worth checking the tax relief you get on pension contributions (see earlier posts).
Both HL Isa and Natwest GIA are non Pension investment
If I were to move sums from either to SIPP,, then that would mean that each fund value wouldn't grow any further, unless this is wrong.