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If you've used up your annual allowance there are still many ways to save efficiently for your later years

Opting out of employer pension schemes is rarely worthwhile, even if there is a tax charge

Triple lock: Beat the personal allowance freeze by using all your other tax allowances

Triple lock: Thousands to breach the personal allowance for the first time as 'fiscal drag' bites

Pensions aren't always the best way to help

It can be difficult for self-employed people who have moved to the UK

Portfolio Clinic: Our reader wants to retire early and use his pension to upsize. But does he have enough?

Portfolio Clinic: Our reader's investments are spread all over, but she now needs a manageable and stable income plan

If you hold investments outside Isas and pensions, aim to limit your tax liability and reduce costs

One school of thought suggests large pots should be lower risk, to avoid huge falls in capital