Al R
Very interesting comments as always Al. However, I'm a bit confused about your statement:
"I hope you've considered using your other half's allowance too, for your retirement income! Capitalising on £9,205 of tax free income from a (usually - without stereotyping!) non working wife is often overlooked."
I was of the opinion that you can no longer transfer a spouse/partner's unused personal allowance to yourself. Or are you just recommending that investments such savings accounts are in your non-working spouse's name to make use of her (or his!) personal allowance?
Cheers, YB.