You can put more than 20k into pensions its 20k for ISAs -though you do have to watch the max limit imposed by Red Osbourne yes but if your on £1M a year you c

You can put more than 20k into pensions its 20k for ISAs -though you do have to watch the max limit imposed by Red Osbourne yes but if your on £1M a year you can risk 20-50k on EIS and VCT's don't foe get you get some very nice tax perks for VCTs (which are collective investments) et all unless your a rock star and snorting all the £ up your nose And moving dividend paying equites into an ISA is decent tax saving esp for higher rate tax payers.