Can you check my understanding please?

[rugbyleague]

I have 3 DB pension schemes, I also have a SIP which was built when we were advised to opt out of SERPS.

I am employed, aged 54 and my current salary and pension provision is good. 26k per year going into current pension. I have 50k in company shares, and 55k in an ISA.

I'm wanting to maximise my tax benefits by putting more money into pensions.

I can either:

Pay into SIP (sell shares or use money I have in savings account).
Pay into company scheme through my salary.

Am I right in thinking I should check the charges on the SIP and the company scheme and go for the best deal, is there anything else I should consider when choosing which pension?

Is there any other options that I haven't considered i.e. is it the right thing to do to put more into pension?

[rugbyleague]

Thank you soooo much for this, PH continues to help with my thought processes and I really appreciate people taking time to share their thoughts too!

My pensions are all DB I have no DC pensions.

I was wondering about what amounts to put where and trying to think what I might need in the future and what I want now is very useful.

Would you sell shares to boost pension, I'm starting to think that apart from accessibility I'm going to struggle to get a better return?

[rugbyleague]

Thanks lots to think about, I am in the 100 to 125k bracket, shares are in company share scheme and are matched and are not taxed on way out.

Using wifes allowance was something I hadn't thought of thank you.