The Differences Between Pension and ISA

Pensions easily the most tax efficient, but access is restricted. Charges probably will be similar if you use a platform like Arguyslands or Downer. You could blend it to my concern for just doing an ISA - that because it is more accessible, the worry is it's more accessible. So I would say probably a blend of the two might be safer. And then again, after a year, and then maybe every year after that.