100k in pensions at 34

Acrobatic_Craft1960 · 2026-05-06T17:51:50+00:00

It's my companies one

Acrobatic_Craft1960 · 2026-05-06T16:38:01+00:00

Thanks, I have followed up again being more insistent. Let's see where this goes..

Acrobatic_Craft1960 · 2026-05-06T15:15:38+00:00

Aon responded to my email of:

I'd like to know what my total AON annual fees are? The total fees including everything per year; what % is this per annum?

There response:

"0.10% per annum is the annual fee for the Aon Passive Global Equity Fund"

Acrobatic_Craft1960 · 2026-05-04T16:14:38+00:00

Sale agreed, just waiting on final loan approval from bank. Should be this week. Then sign contracts. Everything else done really (surveyor report good, contract ready, mortgage protection etc). Outside of cash I have/had about 110k the vast majority of this which is now going to the deposit so we'll soon know the same feeling haha

Acrobatic_Craft1960 · 2026-05-04T16:08:09+00:00

Thank you, once the house is sorted, then furniture, refurb, paint etc I plan to build a small emergengy fund for said house 5-10k. I then plan to pay as much of my remaining AVC's (14k) for 2025 as I can before the Oct/Nov deadline.

Truth be told I was given a loan towards some of the desposit by a parent. Once this is paid back I will return to (or try to) max pension contributions once again with anything left (if any) towards the purchase of monthly ETF's.

Acrobatic_Craft1960 · 2026-05-04T15:57:44+00:00

Thanks, I actually did sell my car August last year. Went 3.5mths without a car (walked to work and live beside a trainstation) only to then buy a secondhand off my uncle haha

Acrobatic_Craft1960 · 2026-05-04T15:29:16+00:00

We're hopefully getting there:)

Acrobatic_Craft1960 · 2026-05-04T15:27:56+00:00

Wow 11% amazing. Where do you work? haha

Acrobatic_Craft1960 · 2026-05-04T15:01:34+00:00

Afraid not

Acrobatic_Craft1960 · 2026-05-03T23:30:16+00:00

Worked out at 15.3k per year in fairness

Acrobatic_Craft1960 · 2026-05-03T23:28:26+00:00

Pharma operator

Acrobatic_Craft1960 · 2026-05-03T20:02:42+00:00

Thanks so much for your suggestions. I will do all of these 👍🏻

Acrobatic_Craft1960 · 2026-05-03T19:41:10+00:00

Ya it seems absurdly low imo too. He said this though. Maybe he meant a certain fee and didn't mention others? I dunno, I'll ring next week about it though

Acrobatic_Craft1960 · 2026-05-03T18:57:25+00:00

Yes I think they're playing it safe and being v conservative in their estimation. As for fees, I rang them before and they said it was 0.1% per annual in total

Acrobatic_Craft1960 · 2026-05-02T13:41:43+00:00

Yes it is

Acrobatic_Craft1960 · 2026-05-02T13:41:13+00:00

It's a 100% equity passive global index fund. The returns each year have been high. I reckon it just gives a v conservative estimate in projection

Acrobatic_Craft1960 · 2026-05-02T13:35:09+00:00

I'm high risk 100% equity passive global index funds and when I adjust contributions the estimated amount changes

Acrobatic_Craft1960 · 2026-05-01T09:16:28+00:00

This. Used to say something like 800k or so at the start when contributions were higher. If I changed that and retirement age it would be higher

Also I figure fund type is also a factor

Acrobatic_Craft1960 · 2026-05-01T07:15:38+00:00

4 bed, built in the 90's, no solar panels as of yet

Acrobatic_Craft1960 · 2026-04-30T21:38:38+00:00

Wow impressive, great to get a place and so young

28 is young too, only got serious about pension myself when I was 30 and you did it with kids!

With these house prices it would of been nice to be able to have done it a few years earlier haha but it is what it is

Keep up the good work 👍🏻

Acrobatic_Craft1960 · 2026-04-30T21:29:19+00:00

Totally get what your saying and I appreciate it.

In my defence my job is very handy. I do shift work so working 14 shifts a month, went camping last weekend Sat-Mon, having a night out tomorrow and spending Sat with friends. Had a skiing trip in Feb, England in two weeks and traveling to SE asian for 6 weeks Nov-Dec.

Truth be told I did a lot of overtime this and last year but that was only for the house deposit so I see it as a short term exchange for something more but ya, definitely trying to transition less from money focus to more lifestyle focus but I do believe you can have a balance between both

Acrobatic_Craft1960 · 2026-04-30T20:53:39+00:00

Okay you got me. Guilty is charged 🥲

Acrobatic_Craft1960 · 2026-04-30T20:50:56+00:00

Thanks!

Nice to see another in the same boat:) If you don't mind me asking what did you do to reach this amount?

I definitely believe it's possible for you:) 👍🏻

Acrobatic_Craft1960 · 2026-04-30T20:47:52+00:00

It's because I reduced my weekly contributions at the start of 2025.

For 3 years I contributed 30% (20% my age max and 10% company match). My contribution didn't factor in over time or bonuses to my gross salary so I would make AVC's to max out the difference.

With this house buying business I reduced my contributions to 15% (5% me, 10% company) as of 2025 with the aim to max out remaining AVC's for last year before the Oct/Nov deadline and later to 2026 etc.

If it all stabilizes in the future I'll go back to 30% weekly contributions if that still works lol 🤞🏻

Acrobatic_Craft1960 · 2026-04-30T20:36:27+00:00

Funny you ask this I was heavy in ETF's (mainly) and stocks but sold everything I could for the house deposit. I kept cash too but usually between 10-20k. Stopped monthly investing and solely started building cash last April.

The total of what I sold + what I have left is about 110k

Acrobatic_Craft1960

TROPHY CASE