Sense check?
Current positions:
local authority DB CARE pension; i’ll likely have done 26 years if i want to retire at 60 although i might well be able to delay taking the pension
Standard Life pot from a previous employer: quite volatile investing but only £17k in the pot, and i may look to start topping this up with my sole trader income
shared cost AVC scheme which i currently whack £750/mo into and current balance is around £10,500 (have only been in for 2 years)
I’m M37 and £45k salary; i use the shared avc scheme as a tax vehicle which minimises my student loan repayments via PAYE and my current salary sacrifice is £750/mo which is offset by a £780/mo disability benefit (PIP) which i have for life.
My general plan is for the next few years, keep upping my AVC contributions while maintaining identical take home salary (until, e.g., i reach £1250/mo or so)
The DB pension is tracking at approx £30k/year if i leave it until 65. AFAIK i can’t transfer my SL pot into my AVC pot and honestly i’m content with keeping it separate for now?
Does this seem wise? Are there different options i’ve missed??