Question re paying into SIPP before end of tax year

[PilatesPeach]

As we are reaching the end of the tax year I usually put some money in my SIPP. The value has (unsurprisingly) fallen in the last year but presumably I still am better off putting money in it due to the government contribution than I would be just leaving the cash in my savings - I find pensions terribly confusing particularly having to decide which fund to invest into but just wanted to check my basic assumption. My thanks to you.

Generally yes. However pension is not accessible, savings can be accessed instantly. So you are not comparing apples with apples.

Pension is taxable when in payment. Future tax rates and tax free allowances are unknown. 25% maybe taken tax free but 75% is taxable. Generally though that's fine as you pay in now and get tax relief on your payment... so more goes in to the pension, and that grows over a long period of time.

video, pension vs ISA m.youtube.com/watch?v=y-4s1wqwQ7k

Thanks - I don't need it to be readily accessible. Will take a look at the video thank you again