ISA or Pension? Help Me Choose for My Situation

Both wrappers are sensible, which makes the choice harder, not easier. This compares prioritising a Stocks and Shares ISA against bumping your pension, using your age, salary, employer match and goal. It weighs tax treatment, when you can actually touch the money, and the free money sitting in that employer match. You leave with a reasoned lean, not a shrug. For employed savers deciding where the next pound goes.

I need to decide whether to prioritise investing through a Stocks and Shares ISA or increasing my pension contributions. My details: I am {AGE} years old, employed, earning pound{SALARY} per year, my employer matches pension contributions up to {EMPLOYER_MATCH}%, and my goal is {GOAL} (e.g. retirement / house deposit / financial independence by {TARGET_AGE}). Compare ISAs and pensions on tax treatment, accessibility, annual contribution limits, and inheritance rules. Then give me a clear, reasoned recommendation based on my specific situation, explaining which I should prioritise and why.