What to do once maxxed out annual pension and ISA limits....

Thrugelmir

InvesterJones said:

solidpro said:

It's not applicable in this case but it's a sign of the times that in the 3 page thread, nobody suggested overpaying a mortgage!

I guess we assume you're already doing the numbers game and have taken interest rates on loans vs potential investment return after tax into consideration. Currently most mortgages have such low interest rates that investments may do better. Reducing debts wins out on risk however

Investments have done better , in the form of higher valuations though. Apple for example is currently trading on a PE of double that in 2018.  Puts great future expectations on the Companies concerned though. Stock markets are fickle. Confidence can soon drain. Not least if better opportunties arise elsewhere. 

solidpro

Thrugelmir said:

Not least if better opportunties arise elsewhere. 

Can you let me know what they are?

lisyloo

solidpro said:

Thrugelmir said:

Not least if better opportunties arise elsewhere. 

Can you let me know what they are?

The opportunities that arose for me that I took advantage of were

solar panels (est 12%)
matched pension contributions (100%)
salary sacrifice (at one point 45.8%)
matched share scheme contributions (bit less than 100%) 
stoozing offset mortgage at BOE + 0.49 - at one point £8k pa but tailed off

Thrugelmir

solidpro said:

Thrugelmir said:

Not least if better opportunties arise elsewhere. 

Can you let me know what they are?

I'm sitting on my hands at the moment. Too much uncertainty for my liking with no clear direction of travel. With the risks seemingly weighted on the downside. My personal preference has been for index linked Gilts recently while I ponder my next sizable trade.