From the last few years of monitoring, I can see I've been saving around 50% of my income, most of which is now added to the pot on a monthly basis.
At current valuations, the pot has grown to the point where my monthly additions increase the pot value by only a fraction of a percent each time. This is well within the expected volatility range of the combined investment pot, even in the most stable of market conditions.
So does it make any sense to continue to add to the pot, or should I put a stop to the monthly contributions and just accept the market return without adding fresh money ?
Now, I'm not about to start wild spending on things I don't need, so you might well ask what's the advantage here, since there's a monthly surplus anyway and therefore doesn't it count as savings if it's not being spent ?