Brendan Burgess
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This comes up in a lot of different threads, so I will set out some principles here to kick off the discussion. I will edit it in the light of feedback.
There are many options with your savings in excess of your emergency cash fund
There are many options with your savings in excess of your emergency cash fund
- Pay down your mortgage
- Build up a fund to enable you to trade up
- Maximise your pension contributions
- Build up a fund for your kids' education or some other long-term need
- Build up the deposit to buy an investment property
- Invest directly in the stock market - i.e. outside a pension fund
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