Do you have any plans for that 100k? Specific needs like children education? I understand having a big buffer, just in case, because things can happen and actually did for us. Knowing that we could deal with them financially made our lives less stressful. But, to be honest, if you have no plans for it, it will probably just keep accumulating with no purpose and really little return. That's fine for now if you don't want to take a bigger step in terms of avc. However, I would encourage you to review it in a few months or next year... Years crip in quickly. You can change your contributions at any time, so even if you decide to contribute more temporarily, you can return to lower contribution later in life. While you might not think about pension in your early 40s, you probably will in your early 50s.
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