Relatively Debt Free 29yrs old with £100k - What should I do?!

Albermarle

I am a higher rate tax payer (just)

To be clear just being a higher rate taxpayer does not mean one claim higher rate tax relief on all pension contributions . You can only claim back the higher rate tax you have actually paid.

The pension v S&S ISA largely depends on what rate tax payer you are. If 40% then its pension all the way. If 20% then yeah mix of both.

So although I would normally agree with this statement, the pension is less attractive for someone who is only just scraping into the higher rate tax band compared to someone earning > £60K

MallyGirl

unless salary sacrifice is an option - 20% tax plus 12% NI gives pension contributions a big boost