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Insights & Guides

The Isaac Blog

Practical, jargon-free guides to UK retirement planning — pensions, tax, the State Pension, inheritance, and more.

Why your workplace pension is worth understanding

Your workplace pension may include contributions from your employer, as well as your own payments and tax relief. Understanding the scheme can help you see whether you are receiving the full employer contribution available to you, and what the pension could provide later.

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Pay off the mortgage or pay into the pension?

Tax relief gives the pension a head start, but the answer is closer than you think. A 20-year worked example, when the relief really decides it, and an order of priorities.

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Should I take my 25% tax-free lump sum?

All at once, a slice with every withdrawal, or not yet. Three worked examples with 2026/27 figures, and the questions that decide it.

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