Random chance over the four banishments would have had a 60% chance of picking a traitor so far. So yes, they're currently performing worse, after long debates, than a random number generator wo… (View Post)

But that is because it is deferred income. Everyone is paying tax at the correct marginal rate for the income they are receiving at the time of receipt. Except for the 25% lump sum which I agree dist… (View Post)

I just think if you want to tax high earners more you should increase the 40% or 45% rate of income tax, not complicate pension savings. (View Post)

1. ISAs are explicitly tax free systems as you pay into them out of post-tax income. Any future government retrospectively adding tax on withdrawals would effectively be implementing an arbitrary one… (View Post)

Okay so I'm going to be boring and return back to pensions tax relief as I missed it earlier: - For the purpose of this I'm going to ignore the 25% tax free lump sum on retirement. Because … (View Post)