Although never the starting point for investment choice, the tax wrapper is nevertheless an important part in determining the overall investment return.

The decision between choosing an ISA or a pension will often come down to how and when an individual is likely to want to access the investment.  The introduction of pensions flexibility in 2015 and flexible ISAs in 2016 are therefore important factors in the decision between an ISA or pension wrapper.

For more information please click here to read our summary.

As always please speak with one of our consultants if you require any financial planning assistance.