well guys, although you have confused me slightly i do see your points, i was not aware that the personal pension IS taxed, although ISA's are being heavily pushed these days.
i suppose i will have to find a independent financial advisor to achieve what would be most suitable for my needs.
i would just like to thank everyone for a most interesting thread, your contributions have been great, and im sure its been very much an educational experiance for some, has been for me
