You get a 25% uplift - eg. put in 800 get an extra 200 .
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Think I misunderstood his post, He was talking about how much you could put away with uplift on the 850 per month. I thought he was saying you’d save 12K in tax
The other thing to consider though is that a pension is taxed when you take income from it. ISA is not. Pension still works out a little bit better I think, but you have to balance that with having your money locked away
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My argument for favouring an ISA is that pension age might be raised consistently over the next decades. When you’re young, there is just so much legislation down-the-line that can shrink your pension benefits - while in an ISA you can just sell everything and use it any way you like immediately.
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I’m the same ISA is being built as a pension but can use the money if needed (absolute worst case)
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I maybe should of reached for the stars a little more on the wage side lol
The average salary in the UK is £42,210 according to the ONS
True, but average salary tells you nothing really. The median salary is 35k, which means 50% of people earn less and 50% earn more.
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Indeed, there are also geographical and sector variations.
Good evening 
-
As usual, we selected the best articles published in the past few days 
:
Portfolio Construction
The starting point matters. A lot. Innovative chart of Stock Market Returns.
Asset Allocation: Challenging Stocks for the Long Run
Currencies: Should You Hedge Your Bonds?
Leverage: Overview Of Return Stacking Strategies
ETFs
UCITS vs U.S. ETFs: Pros and Cons for Non-US Investors
Vanguard: What Are UCITS Equivalents Of Popular Funds?
Systematic Alts: New CTA Index DBFM/SG being revealed ft. Andrew Beer
Bond Alts: Fair Oaks Capital launches Europe’s first CLO ETF
Active Investing
Economist Eugene Fama: ‘Efficient markets is a hypothesis. It’s not reality’
The Optimal Gold Allocation: How Much Gold Does Your Portfolio Need?
Small caps: Have the insatiable private markets eaten the effect?
Factors: Why Do Portfolio Managers Care? It’s Not What You Think.
Strategies: From Stock Picking To Systematic With Wes Gray
Wealth & Lifestyle
Early Retirement: Why Early Retirement May Back-FIRE
Tools: How to Track Your Net Worth
Risks: Edge Against “Sequence of Returns” Risk with Tyler of Portfolio Charts
Financial Advice: Why Do Clients Think Advisors Are Valuable?
Fraud: The BIG Financial Risk That Everyone is Underestimating
And Also
The complete guide to taking a sabbatical (in your 30s and 40s)
Where in Europe are best countries for setting up a new business?
Three easy ways to find hidden cameras in hotels and rental homes
What Everyone Gets Wrong About Planes
Have a great Saturday!
Francesca from BoW Team 
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Thank you @ConsulinhoGaucho
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I just need one more little neg correction since my triggers never went on Friday but after that it must shoot to the moon again for at least a few years. 