Holy crap what a steal . Til kailan ba yung sale ? Wala pa din kami wifi huhuhu <| sep |> Woo we did it ! Well done everyone ! <| sep |> At your level , yeah , pension is good . A pension contribution at higher rate is an immediate 66 % return on investment 72 % with salary sacrifice . That ' s as good as it gets . Where switching away from your pension makes sense is in the following few scenarios 1 . You hit your annual allowance of 40 K doesn ' t apply to you . 2 . You risk hitting your 1 million allowance , considering a max match contribution until your retirement . This would apply to you if you already had , say , 300 K in your pension already . Over 30 years with minimal contributions that guarantee a match you risk hitting this if you over contribute . hitting this is bad because it incurs a 55 % tax . 3 . you have a realistic chance of retiring much earlier than 55 , and need access to your money to make that realistic chance achievable by taxing it now and putting it into an ISA . This is debatable some would advocate contributing to your pension still because of the benefits . Also , you are running out of high rate tax . Contributing more won ' t get you the same return because you will be dipping below the high rate threshold . Do some maths to work out the numbers . Also do you have other goals in life ? deposit for a house ? factor that in .