Is it a good idea to invest in your UK pension fund over the max your employer will contribute/match? This may potentially lower income tax but then one can't really access the pension pot till retirement. Or is it better to invest post-tax income into a stocks and shares ISA to avoid capital gains tax? TIA!

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Obviously you do both. Optimize your tax position through AVCs and invest what you don’t need from your take home sensibly - max your ISA allowance for a start

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