r/FIREUK•
Joh_1

Looking for advice on best approach to split pension / isa contribution

24 in London, making £45,000 base, and ~£20,000 variable commission split quarterly.

In April, my base will rise to £53,500, commission likely the same.

Currently, I’m contributing 5% to my work pension, and approximately 700-1000 per month into my ISA, this will likely rise to £1300 after my raise. On commission months my isa contributions are around £3,000.

I’m concerned I’m leaving money on the table by not sacrificing more into pension, I was curious if anyone had an idea on the best way to optimise this split between investments?

I will possibly be buying my first home within 1-2 years, for the homes we have in mind, we already have enough cash to cover deposit + all fees

Currently hold:

£27,000 ISA

£7,000 pension

Thanks!

Posted Mar 8, 2026, 8:13 PM UTC

05
Loading comments…