I recently went through an interesting exercise at work and wanted to share the findings here. Essentially, my company don’t offer salary sacrifice pension contributions and I wanted to persuade them to consider it!

As you can probably tell, I’m bit of a personal finance nerd! I created a document showing the benefits of salary sacrifice to both employer and employees. I even added some Sankey Diagrams to demonstrate the difference it would make!

The information below shows what I submitted to my employer. Hopefully it will help explain the different pension contributions as well as giving you inspiration to request similar changes from your own employer!

Our investment strategy has always been 100% equities, with no allocation to bonds or other asset classes. There are several reasons we came to this conclusion, which we want to cover in this post.  

When we say 100% equities, this is within our actual FI funds, which are housed in our ISA and pension accounts. Our emergency funds are in 100% cash and cover roughly 6 months of living costs. For more info on how our FI funds look at the moment see our 1 Year of Blogging post.

Our 100% equities allocation consists of index tracker funds with a global spread. This reduces the risk of being over-exposed to any particular country.  

Pursuing FIRE is a fine balancing act. On the face of it, delaying your FIRE journey would seem like a bad idea. Who wants to spend longer tied to a job when they could be doing anything else?! But there are other factors at play here!