Equal pension payments for PT/self-employed mum - what's fair and how to do it?

[SpunkyLemur]

Hi all, would appreciate some advice....
Background: my partner is employed full-time on a good salary, his pension payments each month (his and his employer's contribution combined) = £250
I have worked part-time since our first child was born 4 years ago. We had our second child last spring and whilst on mat leave I was made redundant. I have now gone back to work self-employed/freelance – working three days and looking after our kids the other two. I will potentially go up to working four days when my eldest starts school in Sept.
We aren't married (currently in talks about the financial/security benefits of getting married, we do have our wills sorted).

I have been looking into how we manage our finances fairly. We currently both take out the same amount of personal spending money each month and the rest goes into our joint account to cover outgoings and a little bit goes into savings pots.

So the only real disparity is pensions. My partner is in support of us saving an equal amount into our pensions but it's kind of on me to figure out the logistics.
I already have a LISA I try to put £50 into each month from my personal spending money. My thought is that I up this to £205 but pay it from our joint account, and with the governmern 25% it will also = £250. Does this seem fair? And is this the smartest way to do it/place to put it? I feel some people might say a Stocks and Shares ISA could be more lucrative but I don't feel all that confident managing that and don't have much headspace/time around work and days with the kids to get my head around it.

Anything glaringly silly about the above suggestion? Appreciate any and all advice. Thanks!

Is your LISA in cash or s+s?
You could look at a SIPP and put £200 per month which gets topped up to £250 with tax relief. You don't get tax relief on an ISA going in but it is tax free when you take it out and of course there is no age restriction.

Funds you could use a global tracker or target date fund. Don't be scared of shares. The value will fluctuate but long term growth is almost always better than cash.

Agreed you should definitely look at having equal/similar pension pots. Do either of you have workplace pensions? If so I’d suggest maxing your own contributions to ensure you get the max input from employer. Beyond that you need to consider what your joint longer term plans are and when you need/want access to your pots. LISA’s ( indeed most pensions) limit when you can withdraw from them…if you think you want money before then I’d look at ISA’s with a good rate (tax free and up to £20k can be deposited annually). If you can lock the money away for say at least 5 yrs then look at S&S ISA’s to take advantage of compounding.

Before you look at all that though I’d suggest you make sure you’re debt free (apart from mortgage) and have 3-6 months of your monthly outgoings saved as an emergency fund.