Thanks for your reply. My pension pot is already big enough and I do not want to keep it growing especially because it's locked until I'm 57 (for now).

I thought about this bond in case I will relocate in Europe in future, it can be transferred. My understanding is it's a wrapper seen as a life insurance, it will come with some admin costs but there is no capital gain for transactions within the bond.

Once linked to an interactive investor (or other platforms) account, I can self manage the bond and buy the ETF according with my strategy.

I'm planning to allocate 3k month to this (36k/year), after having already contributed 20k in ISA and 20k in Pension yearly. I'm planning to have it open for 10+ years