ISA-to-Pension Bridge: Retire Before 57 in the UK

ISAs help early retirees live off accessible investments while their pension continues growing untouched.

ISAs offer tax-free growth, flexible withdrawals, and don’t impact pension annual allowances.

Bridging with ISAs decouples retirement from pension access rules, reduces sequence-of-returns risk, and provides flexibility in spending and tax management.

Lifetime ISAs provide a bonus and tax-free withdrawals after age 60 but are less flexible than Stocks & Shares ISAs.