£600K - prioritise ISA v SIPP for new money?

Vook

In your position I would salary sacrifice down to minimum wage (NLW) and transfer £20,000 a year from the GIA to the ISA.  How would that course of action affect your pre-retirement plans?

Opening a SIPP and transferring some of the DC pots may save on fees.  If the SIPP provider and Aviva both allow partial transfers then it would be possible to keep contributing by salary sacrifice but hold most of the value in the SIPP.

Aminatidi

See now that's where it gets interesting and touches on something I hinted at in a previous thread.

As someone on a decent salary and used to a monthly income with no fixed plans on exactly what I might do and when it's really really hard to overstate how alien that suggestions sounds to me.

I'm not saying it's a good or bad suggestion - and I'm not talking about the maths - that's the psychology side.