[sokoloff]

Unless your retirement tax rate will be lower than your working years rax rate, it comes out in the wash eventually.

It's quite likely that some people today will end up paying higher income tax rates in retirement than today.

[walshemj]

Id like to see that worked out in detail have you got an example? unless you mean you bust the lifetime limit, which is just bad planning.

And you can use drawdown to manage your income from the pension and you would of course make use of income from your ISA.