Saving too much in a pension

atush

armchaireconomist wrote: »

Personally i'd continue to invest in pension and S&S ISA but at a lower rate than currently, and pump the rest into overpaying mortgage.

Worst come to worst, your massive pension pot isn't going to pay your mortgage.

I disagree, i'd continue to take advantage of HRT relief int he pension, and out spare cash into S&S isas over the mtg. If the rate goes up, you can always use ISA money to pay down the mtg.

I feel if anything changes, it will be HRT relief that goes first- so take advantage of every penny of this you can get.
With just 100K in pension, it is too early to ramp down into ISAs. Gonna take you years to get to 600K.