Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Fund Your Pension Before Your ISA — UK Doctors Need to See This

14 Apr 2026 · 1 min

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In this video, Ndubuisi 'Andy' Egwim warns higher‑rate taxpayers—particularly those earning between £100,000 and £125,140—that contributing to an ISA before considering personal pension contributions can cost them thousands (or even tens of thousands) of pounds each year. The loss stems not from ISAs being inferior, but from the tax‑sequencing effect: the order in which you allocate money determines how much tax relief you receive. Andy urges viewers to first evaluate how pension contributions would affect their tax position before clicking the “Einstellen” (set) button for an ISA.

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If you're a higher rate taxpayer, and especially if you're earning between £100k and £125,140, rushing to fund your ISA before you've thought about your personal pension might be costing you several thousands of pounds, possibly tens of thousands, every single year. Now, it's not because the ISAs are bad, we already established that, but it's because of the sequence, okay? Which comes first? And whether you've ever asked yourself, what would putting money into my personal pension do for my tax position, before you click that "Einstellen" button.