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I had a small NEST fund, found the Sharia fund was the best performing, but no sure they made it easy to select your own investments
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Aegon Default Equity & Bond Lifestyle Pension Fund
https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B9M5YQ97:GBPThat's the default one. Dunno if I can add other funds or what. I have a SIPP from when I ran a ltd company that I could dump money into. But I'd just use tracker funds with little real idea of what I'm doing. It's making money but I've nothing to compare with so who knows.
That's the benefit of paying off the mortgage - you don't need to give a shit if things are going good or bad - it's simply "I owe some pricks less money now"
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Correct me if I'm wrong (which I am, a lot, to be fair), but can't you just transfer it all to your own sipp?
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MicroDosed™
hippy
NotThamesWater
@frankenbike
Worth checking who the pension provider is and what funds they offer before making any decisions. Mine is NEST and their funds are shit so there's not much point dumping a load of money in there. If the funds you've got to choose from are shitty then it might be worth prioritising the mortgage or a SIPP over the pension.
Investing £100 in equities is probably better than investing £107 in ultraconservative bonds over a timescale of a few years