u/jonnyadams9

Suggestions on how to best use 400k windfall (sum is tax free)

ISA filled for the year

No student loan

290k mortgage, comfortable with rate and not keen to pay down as money can be put to better use

130k income in household

Getting SIPP, however don't want to lock all money away until 58, even if tax friendly

No other debts

Partner and I in early 30s, no kids

Ideas include

- broad index fund in ISA

- Overflow in GIA then bed and ISA?

- options for dividend income?

No exciting purchases (Car, holiday home etc), want to utilise money to make more