Standard Life analysis says redirecting £4,000 annual LISA allowance to pension lifts retirement pot by £180,000

• Standard Life analysis on July 16, 2026 modeled shifting the GBP 4,000 annual Lifetime ISA allowance into a pension.
• Scenario: worker starts at 22 on GBP 25,000; minimum auto-enrolment contributions build an inflation-adjusted pension of about GBP 210,000 by 68.
• Adding GBP 4,000 a year to the pension from ages 22 to 49 lifts the modeled pot to about GBP 390,000, a GBP 180,000 increase.
• Analysis assumes 3.5% annual salary growth, 5% investment growth, 2% inflation, annual management charge of 0.75%.
• Context: UK has more than 1.2 million Lifetime ISA accounts; 1,177,940 hold under GBP 25,000; 50 exceed GBP 100,000.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Standard Life plc published the original content used to generate this news brief on July 16, 2026, and is solely responsible for the information contained therein.