Pension or ISA

A question about : Pension or ISA

For someone who already has some pension built up, final salary, AVC's and a stakeholder, it's probably worth staying in the auto enrol scheme when it starts next year, but is it better to pay into ISA rather than a stakeholder for any excess? The current pensions, state and new pension would likely be over personal allowance at retirement. Any thoughts?

Best answers:

• you mean S&S ISA?
  would tax relief on further pension contribution only be at 20%?
  any intention of retiring before state pension age? would the pensions being drawn in early retirement be over the personal allowance?
  are there any ISA or unwrapped investments so far? as having all investments in pensions could be too inflexible. a balance of pension and accessible makes more sense.
• There is a pension vs ISA sticking thread in the pension section.