Paralyzed with indecision.

barnstar2077

I would definitely keep the S&S ISA, as the age you can access a private pension may be be 60+ by the time you get there, with the state pension possibly at 70.  So you will want access to some money earlier to give you more options.  You may develop an annoying ailment in your fifties, or get a new manager that makes your life hell etc.

Personally I am splitting my money between my S&S ISA and my pensions.  However, I do already have a very low mortgage.   I paid down my mortgage religiously for quite some time before I extended the term to make my monthly payments tiny and diverting the saving into my pension to get the free 25% top up.

Give yourself options for later, as plans do change.  Oh, also, try to still live in the moment though, the future is not guaranteed.  I would give all of my modest wealth up if I could be happily married on the morrow instead (Some might say that I would have to! :  )