Have you got 50k in premium bonds? If not then you could move some over there to limit your tax liabilities and invest extra each year in ISAs from that pot?
I have some PB's and they don't pay interest of course but there is a chance of a big win. I've had numerous smaller prizes. The climbing interest rates over the last few years means good news for savers and more interest can mean more tax. With the annual ISA allowance being £20k, moving money into them takes time but what the hell, there are many people just struggling to exist these days so in that light, paying tax on savings interest is a bit of a non issue.
I retired 6 years ago, I am 71 next Sunday, don't feel any different from being 31, interests are beer and motorbikes except now I don't have to rush off to work to pay for it, enjoy your retirement, I do.
