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  • 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

  • Not easily if the employer is still paying into it, I think. Despite the funds not quite being to my tastes my employer match is pretty good so worth sticking with it. I could ask them to pay into a SIPP for me at the same rate I guess

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