Small wins
Hi all,
First post here. 31 and have the below, looking for thoughts on next steps as my financial advisor is about to retire and I think having multiple views is helpful.
43k in a LISA
40k Investment Bond
21k SSISA
10k savings accounts
41k Pension (yes, feeling horribly behind and this will be the focus in the next 6 months or so)
60k salary, about to rise slightly. I'm soon to put down a deposit on a house and incur all the fees to go with that, which all in should be circa 97k (budgeting about 4k for furniture for now).
What's the best course of action for where I should be holding cash? Currently I'm combining my pensions (I have five, have done some bouncing around) and putting 16% in with 4% ER contribution. Am I being sensible with continuing to put 4k a year into my LISA for retirement?
Plus - alas I'm with SJP currently. Would moving to Cooper Associates be a good alternative for the SSISA and IB?