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Bird flu?
Ps.
Because of our relationship with our investment platform/ manager, the isa and sipp were invested in broadly the same stocks, bonds, structured products, cash etc. So, risk wise, sipp ans isa were identical.
Personal experience, and Luke may disagree.
For the last 3/4 yrs of my working life, I didn’t contribute to my sipp, but put it in a isa Instead. I took out an isa in wife’s name, which was ‘mine’ in practice ( joint bank account required), so I contributed to 2 isas.
I foregoed the tax relief on contributions, but now draw 60k per year pension. The amount from SIPP is at basic rate , the rest is from our isas , so 60k at basic rate. The 25% lump sum on crystallisation was invested as a separate portfolio, and every April, 40k was transferred to ‘ our’ isas, until that 25% was used up.
It’s a trade off. Tax relief while you work, or tax efficient draw down with the flexibility of taking money out of isa tax free when needs arise. Personally, I wished I had spent more years investing in my/ our isas.
Dr A.
Not based on one DMG unit you say. But it if it fails for whatever reason, then it will live or die on one, the first, unit.
And we haven’t had any definitive proof it does work on a commercial scale. I concede that all indications are positive.
(and I am a long term .3p holder.)