This comes down to a range of factors so we can’t answer this specifically. When you meet with one of our advisers, they will take you through a comprehensive fact find where they will establish your goals, attitude to risk, and more. When it comes to pensions and ISAs, here are some things to consider: ISAs offer flexibility and tax-free growth, but have contribution limits.  On the other hand, pensions offer tax benefits, but have restrictions on access and withdrawals. Both can be useful as part of a balanced retirement savings plan.