Both ISAs and pensions have tax benefits, but which is right for you?

In this episode, Vignes (Founder of Plouta) is joined by FCA-regulated financial adviser Joshua Shepherd to break down the pros and cons of each option, and when to use them.

We cover:

✅ When to choose an ISA over a pension and vice versa

✅ The current ISA allowance and different types available

✅ Is the Lifetime ISA still worth it?

✅ Pension tax relief explained, how it boosts your savings

✅ What happens if you need access to your money before retirement

Simple, practical advice to help you save smarter and plan for financial freedom in the UK.

Most UK adults don’t know if they’re saving enough for retirement. In this episode, Vignes (Founder of Plouta) is joined by FCA-regulated financial adviser Joshua Shepherd to explain everything you need to know about UK pensions.

We discuss:

✅ Why pension planning matters

✅ The State Pension — who qualifies and how much it pays

✅ How much you need to retire at 60 or 65

✅ Workplace pensions and auto-enrolment

✅ Pension options for the self-employed

Clear, practical guidance to help you get on track for retirement — without the jargon.

How much of your salary should you actually be saving every month? 10%? 20%? It's the most common question in personal finance, and it can be hard to know if you're on track.

In the first-ever episode of the Plouta Financial Wellness Podcast, we're joined by UK financial adviser Joshua Shepherd to give you a clear, practical framework. We break down the 50/30/20 rule, explain the difference between saving for an emergency and investing for your future, and provide a simple rule of thumb for your pension.