Trying to scramble a retirement together

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speedtomyside said:
is it a good idea for us to pay down our mortgage (will also use State Savings for this) ? Should we focus on pension contributions instead? Should I kickstart my pension with a sizeable lump sum instead of paying the mortgage?
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You mortgage rate is 4.1%p.a. The state savings are likely to have an interest rate that is lower than this, so using them to pay off the mortgage makes sense. If you were to pay it into a pension, that pension would need to give you an after tax return that is greater than 4.1% for it to make sense. In your circumstances, I think it would be prudent to pay it off the mortgage.
 
speedtomyside said:
I have a foot in both camps because I have dependents. Doesn’t mean I can’t see the value of Bitcoin or that my opinion on it has changed.
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This thread is an abomination and has nothing to do with retirement planning. It’s just another HODL Bitcoin fanatic trying to win an argument and prove that black is white. You’re banging your collective heads against a brick wall.
 
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