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Cash house buying or 50% investment / mortgage
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If you're planning to retire at 65 (?), I'd suggest that it would be worth assessing how much income you'll need at that point and where that'll come from - it is generally advantageous to buy property but if that absorbs all of your liquid funds and you don't have much pension provision then you could find yourself in a fully paid house but without enough income?0
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1 - Self Employed - no current pension - small amount in a SIPP
2 - have a s&s isa with around 150k in it at the moment
If you are accumulating funds for retirement, then a pension has tax advantages over an ISA.
If you need funds before your mid/late 50's then the ISA is better.0
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