In a major feature on retirement savings, the Daily Telegraph posed the question: which is the better way to save for retirement, pension plan or an ISA? Both have merits – contributions to pension plans get income tax relief, while ISAs are permanently tax-exempt. It pointed out that politicians keep tinkering with complicated pension rules while the ISA rules are simple and haven’t changed significantly for many years. The experts quoted by the Telegraph suggest that there’s case for using both pension plans and ISAs. A lot depends on your circumstances.