u/Joeboy

Hi! I have about £90k in a money market fund (Royal London Short-Term Money Market Fund Acc) in a SIPP (Freetrade). I'm wondering if I'd be better off selling it and buying 2 year gilts? I'm hoping to use (some of) the money to pay off my mortgage (currently 1.5%) when it's due for renewal in just over two years. I'm horrifyingly old and have access to my pension. I feel a bit out of my depth with gilts but it looks like I could get a slightly higher rate (or yield or whatever) than my current money market rate. I guess it depends on things that are hard to predict, but does it seem like an obviously terrible or excellent idea? If I were to do this, does TN28 seem like the right thing to buy? Thanks!