Am I making the most of what I have?

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Good Morning, All.

I am a 25 year old male living on the outskirts of London and working for a business consultancy in the city. As a graduate, I take home £32,000 pre-tax, which should rise to £43,000 at the end of the year (rolling promotion windows).

To date, I have saved £25,000, which is living in a NISA with a building society at 2.75%, I have an allowance of about £5,000 to add to this this financial year (under the new £15,000 p.a rules).

My question is quite simple - from a purely financial perspective, am I making the most out of the opportunities out there? - I am a pretty risk averse person, so would rather not put too much risk on things if possible, I appreciate that higher risk (normally) equates to higher returns.

On the basis that I have c£18,000 in student loan debt, am I about on par with people of my age/gender and location?

Thanks for your help.

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Your_Hero

For a risk-averse person you are doing fine. Pretty much draw a line and rule out everything else except cash in the bank.