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I M Done Saving In My Pension At - I'm 35. That Came As A Shock

Video by @moneystocker (James | Money Stocker) • Aug 06, 2026 • Verified Download Ready
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Video Title / CaptionI'm done saving in my pension, at 35. That came as a shock to me! My current pot is projected to become around £1.5m, at a 7% return. Pension tax efficiency falls off around £1.2-£1.5m (for me, it might be different for you). So, I shouldn't really be focussing on it anymore. (7% is an estimate. It could be higher, it could be lower. It's just the figure I use based on past performance, which is no guarantee). So instead of my pension, I'll be focussing on my Stocks and Shares ISA and investing via my LTD business account (and frankly, spending more money...enjoying life!). I'll still do the minimum to get my employer match (as that's free money), and that will help in case we don't achieve a 7% investment return and I need to top up. But to be honest, it's a great feeling knowing that I could not add another penny and still have a comfortable retirement. #retirement #pension #sipp #savingmoney
TikTok Creator@moneystocker (James | Money Stocker)
Audio Track Name🎵 original sound - moneystocker
Total Plays2,126 views
Total Likes❤️ 78 likes
Total Shares🔁 9 shares

Below is the post about I M Done Saving In My Pension At shared on TikTok by @moneystocker (James | Money Stocker). This video has reached over 2,126 views, 78 likes, and 9 shares across social feeds.

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Original Video Caption:
I'm done saving in my pension, at 35. That came as a shock to me! My current pot is projected to become around £1.5m, at a 7% return. Pension tax efficiency falls off around £1.2-£1.5m (for me, it might be different for you). So, I shouldn't really be focussing on it anymore. (7% is an estimate. It could be higher, it could be lower. It's just the figure I use based on past performance, which is no guarantee). So instead of my pension, I'll be focussing on my Stocks and Shares ISA and investing via my LTD business account (and frankly, spending more money...enjoying life!). I'll still do the minimum to get my employer match (as that's free money), and that will help in case we don't achieve a 7% investment return and I need to top up. But to be honest, it's a great feeling knowing that I could not add another penny and still have a comfortable retirement. #retirement #pension #sipp #savingmoney

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