John Stepek

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Yeah, it's a smaller port.

I wouldn't disagree with any of those and I think that's a particularly good point about the political risk of the LISA and also the fact that you can take the whole thing out tax free whenever you're 60 because you only get the 25% lump sum on the SIP.

So yes we were probably a little bit harsh and I just thought the other point that the latter podcast listener made was that if you're paying into a kind of pot for your spouse who's a non-taxpayer or your kids even you can only put 2,880 quid into a SIP which is then grossed up to 3,600 but you could put the full 4k into Eliza and again that's effectively a pension contribution

with a different kind of like tax status at the end if you're talking about for a non-working person so that's something I hadn't thought of and actually I think makes quite a lot of sense you know so and yeah and obviously if you've got these allowances and you've used them all up already then it is worth you know using up this is an extra chunk

A lot comes off your eyes at a lounge.

I suppose the other issue is our dislike of fiddliness.