I've got a few pension pots, including small one with a protected pension age. I'm about 17 years from that age and it only contains about 18 months of expenses.

I'm contributing to other pensions now with lower fees, but obviously those ages are higher and potentially going up further. I've just been ignoring it for years but I'm unsure what to do. Should I pay more in now incase it gets closed for more payments in? The fees aren't great and I'm handling everything right now with salary sacrifice because that's simpler. Could I do some kind of partial transfer to put a bit more in so it covers the difference in the years I can access?

Or should I just plan to wait until a couple of years before, throw a lump sum in and then nearly immediately start to withdraw it?

Thanks

Working through the process with my current bank, I appreciate that the rates are a representation of what banks think will happen in the next few years with the economy and BoE interest rates, but I'm confused.

My suggested options are:

2 Year No fees - Interest rate - 4.79%

3 Year No fees - Interest rate - 4.91%

5 Year No fees - Interest rate - 4.68%

I'm really confused at how the 5 year can be that much lower than the 3 year, and the 3 year also be higher than the 2 year. Are they expecting specific economic weirdness to happen for a brief period between 2 years and 4.5 years?!

Is this normal at the moment compared to other lenders?

40s, married. Mortgage debt is about 1 years salary for one of us pre tax with double that in S&S ISA with a decent emergency fund. My pension is several times my pre tax salary. I've been diligently investing every month for most of a decade, not selling during the dips just riding it out.

My cheap 5 year deal runs out in a couple of months, on a mortgage I extended a couple of years ago when savings rates were nearly triple my mortgage rate.

But I'm sat here looking at the markets going up (or at least several companies dragging it up) whilst geo politics is going mad and thinking should I sell some stocks to pay down my mortgage debt a little? I'm already way up by investing instead of overly paying down the mortgage over the past few years.

I know it's technically timing the market and you're not supposed to do that, but equally I feel like I've gambled and won and it feels silly to continue to bet all my winnings.

Is anyone else feeling the same?