How Much Should You Put Into Pensions and ISAs?

There is no need to get fancy with investments like VCTs, EISs or any other kind of accounts unless you're very high earners. For most of us, just use pensions and ISAs for investing passive and multi-asset funds. It's your granny's logic - don't bottle your eggs in one basket. But you can choose versions of these funds which suit your particular risk profile and also time scale.