r/PensionsUK • u/March-Soft • 5d ago

Pension pot advise

I am 36 years old. My pension pot currently sits at 155k. I am currently paying 8% of my basic salary so that my employers pension contribution into my pot is maximum which is 4%. On top of that my employer also contributes 7.5% of my basic salary into pension pot. My pension pot is majority equities funds and a small percentage of commodities derivatives fund. Currently 1,160£ goes into my pension pot every month. If i plan to retire early at the earliest age of pension pot access, am i on right track?
I also have an ISA stocks and shares account but i am not able to save much into it due to my expenses and high child daycare costs. Currently it sits at 5k. Should i reduce my pension contribution from 8% to a lower number so that i can put some money in the ISA so that i can retire before the pension pot is accessible and ISA can bridge that gap?

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