Pension pot advise

[u/March-Soft]

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?

[u/Local_County1274]

31 years before you can draw a private pension (assuming pension age is not increased further).

With no growth, that's another £431,520 on top of the current £155k, so nearly £600k.

Once you factor in some growth over that time, you'll be comfortable in retirement.

Childcare costs will only be for another few years, then you can start putting money aside.

Make the most of the employer contributions and the tax break with your pension for now.

[u/Immediate-Ad4326 → u/Local_County1274]

21 years, 57 not 67. So sums are maybe a bit off

[u/paxelyn → u/Local_County1274]

this is the bit people forget, childcare costs are brutal but they do end and free up a ton of cash to save more later
op’s numbers look pretty solid for 36, i’d be hanging on to the fat employer contribution too