Pension or not?

[x5x3]

I have a suspicion that I have invested too much into pensions and should have more into other (e.g. ISA investments).

Does anyone have any links to general guidance on this - should people aim for a 50/50 split for example?

I'm specifically excluding property from this question.

All thoughts appreciated.

[x5x3]

thanks all - I'm not sure if I am a normal person or not?

I assume you mean an employed/salaried job with very little control?

In which case then I am not although I do have several old company pension schemes which are growing nicely.

Currently working through a ltd company so lots of options available but I am struggling to decide how best to invest the cash coming into the ltd company.

[x5x3]

Thanks for the replies all.

I'm not a higher rate taxpayer now - as I mentioned we both work through a ltd company and only pay ourselves what we need. Some of whats left goes into pensions but the rest is just sitting there earning close to nothing.

I've not hit the `£1M limit yet - the focus the last couple of years has been to boost the other half's pension so we can optimise our future tax position (can I still say that or is that now a form of tax avoidance?).

Once we do get to retirement then in my mind we want a good mix of pension income (taxable) and ISA type (i.e. non-taxable) income.