u/Illustrious_Page_718

I’ve been following this sub for a while and it seems as though most people who post usually have money split in:

1. Pension
2. Stocks and shares ISA (Usually VWRP or some other ETF)
3. GIA
4. Premium bonds

My question is if everything is linked to the market (except premium bonds), then how do you consider your safe vs risky investments? Like usually they say you should have say based on your age- your age% in safe investments and rest in risky investments and safe investments should grow over time.

Just trying to understand how I should structure my FIRE goal.

For context:

Currently I have:

1. Savings account (35k) - this will go entirely for mortgage deposit
2. Savings ISA (10k)
3. Stocks and shares ISA (20k) - includes ETFs and stocks both.
4. Premium bonds (6k)
5. Cash (20k) - for stamp duty + baby stuff as we are expecting.

I havent started depositing in this years ISA limit as I am waiting for the house exchange to complete.

But from here on I am thinking how should I structure my investments. Should I split in cash ISA and stocks ISA? Also within stocks ISA - how should I split between ETF and stocks..

Thanks for your help!

My partner and I are in the process of buying a house (in zone 5) and it would take us to work in under an hour (approx 50-55 min).

Yesterday we were debating that given we are spending good money on buying a spacious house, should we stick to zone 5 where we get more area and decent garden or get a bit smaller place in the same price but closer to work? (Like under 30 min).

My partner thinks few years down the road line, he may have more meetings etc for work and travelling long would be hassle. But I think living little outside gives us better home and things like wider roads and easier commute on weekends by car for any day trip or anything in general. What do you think is better?