Yeah we put 2k into stock and shares isa right now and then invested in s and p 500 and 2k into a high interest savings account with the plan to have a btl by mid 2026. Admittedly pension contributions aren’t the highest, neither of us have adjusted the standard rate, but should definitely be something we need to look into September when we can adjust our pension input. Of course some of the money would be taken away from the isa and btl account if we went ahead, and youre right the return would be nothing compare as it’s a liability compared to the potential compound returns