Saving or retirement

[okaythensure]

I have £13,000 in a high interest saving account which is due to mature next week.

I'm unsure whether to reinvest in to another similar account, put it in my Vanguard lifestyle ISA account or put it in to my pension pot.

Out of these the Vanguard account is my least favourite option. I don't have the best understanding of how the account works and I never feel I'm getting the way rate of return.

What age are you?

I currently only have about 40k in retirement

I would put it in your pension, £40k is not a large pension if that is your only source

Do you have an emergency fund already that you can easily access?

Thanks!

I have a my own emergency fund of around 5k and as a couple we have around 40k.

DH has a decent pension but mine is rather lacking!!

Then I'd be tempted to stick a chunk in pension!

remember if you stick it in your pension you also get the 20% tax relief too immediately added so it will automatically become circa 15k

This is very helpful, thank you for taking the time to post x