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@tinkeretti My point is don't try to quantify just using expected rates of return. Do you value the fact that in event of something changing in your life where your income falls that you could have cash in hand?

@tinkeretti Not a like for like comparison. Student loans are much more forgiving in regards to repayment terms than any other loan you're ever going to get. It isn't a strict rate/return calculation. How much do you value having liquid cash available to you and is there a risk your financial...

@rome1453 Yeah in hindsight I went in a bit too heavy on the wiki when it actually does a good job highlighting all the pros and cons on the rest of that comparison page. I've added an edit to this post saying that but might try to gut out my more reactive criticisms!

@joltor0517 You know what, I've reread the wiki, and actually if you read the whole page it does make it extremely clear. I think I was getting bogged down in just the final section specifically while it was being thrown around in another post I was reading, and it distracted me from how clear...

@joltor0517 I do agree and I do mention that the wiki does call it out. My complaint about how the wiki does it is more of an aesthetic issue, in that while it does technically get it's maths correct and it does technically highlight that it's the rates that are important, I don't think it's...

There was a recent post comparing ISAs and pensions, and it drew a lot of attention to the timing of tax relief. The wiki does cover this here, but even when I read this I was still not convinced because the example given didn’t feel nuanced enough. I’m going to try and explain it in a more...

@eliquinn Had some good responses already, particularly from @azmaveth which I agree with. What deposit have you been considering putting down? Rates on 5% and deposits are often extremely poor compared to 15%+. Have a bigger deposit would decrease your monthly repayments and your monthly...

@chosen808 The main thing to look for is probably equity vs bond allocation. I would say at your age there is no reason to have bond allocation in a pension. Incidentally it's likely any bond allocation that has brought down your returns the most, but this is a very atypical thing.

@chosen808 We need a wiki page or some kind of automod for this. Your pension (unless it's a defined benefit scheme) is invested in a combination of equity funds and bonds funds. Funds go down as well as up and they do so without consistency. In the last 5 years we've had COVID and Ukraine...