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One other things - This is another mistaken comment I often here about 'using the system'. There is no system that legislates how to avoid tax using offshore companies, banks etc etc, there are simply gaps in legislation. No parliament would ever be able to entirely eradicate these, so again...

Like many things, it's not binary though is it, you could argue that one avoids tax by claiming your tax free PAYE allowance but you would be wrong, likewise you would be wrong if you catagorise investment in ISAs as what we consider tax avoidance. But on the spectrum of managing one's taxes...

This old chestnut - ISAs and pensions are neither tax evasion or avoidance, they are the use of mechanisms provided by the government to encourage those who are fortunate enough to be able to save for their futures to do so by providing tax incentives. Channeling your wealth offshore in order to...