Additional tax payer advice needed
I’m trying to figure out the most tax-efficient way to invest my monthly surplus given my situation.
Current situation
Salary: £145k (tech)
Cash ISA: £37k
Stocks & Shares ISA: £13k (~80% vanguard ETFs ~20% in Micron Technology and VanEck Semiconductor ETF)
Premium Bonds: £30k
Lifestyle / plans
Renting in London with my partner, but most of the rent is effectively covered by income from another property in my home country, so my living costs are relatively low.
Planning to leave the UK in around 10 years and retire abroad, now 35 years old. Targeting FIRE within roughly 10 years.
Question
I can comfortably max out my ISA allowance every year, but I’m less convinced about heavily contributing to a pension mainly becauseI want access to funds before pension age and I do not plan on retiring in the uk.
Locking money away for decades feels less attractive for my situation. Given this, what’s the most tax-efficient way to invest additional monthly earnings after maxing the ISA?
GIA?
Pension anyway?
Gilts?
Buying London property?
Something else I should consider as a UK higher-rate taxpayer planning to emigrate?
Given the conditions of the current housing market would it make sense to invest in property anyway or is it better to look at other alternatives?
Any advice would be hugely appreciated