Investment next steps.

TheShape

After giving the options some thought I'm inclined to make the maximum use of the LISA given that the LISA allowance is a case of 'use it or lose it'. Using the allowance for the first three/four years should (dependent upon returns) result in a fairly good balance between p2p, S&S ISA and S&S LISA. Any future changes like being mortgage free or inheritance would allow me to make additional payments eg to the SIPP.

I think I'll also start paying for the EPA on my Civil Service Pension.

Alexland wrote: »

Actually thinking about it a good reason to do both the pension and LISA is to use the LISA to feed the pension between the ages 60 to 75 to get the best of both worlds.

This sounds like a good use of LISA funds when withdrawn.

Alexland

Thanks for the update - glad we could be of help in your decision making process.