Fairleas wrote:I do not have a SIPP.
Then use your last three years of working to fill one. Get started before the tax year expires. Quick!
If you qualified for your SRP before 6/4/16 then consider suspending it (google Pension Deferral and read the rules for the old-style pension). Also consider buying the pension topup by paying Class 3A NICs.
Fairleas wrote: I am wondering if £100k in Investments and £200k in cash is the correct balance, you all disagree.
Personally I'd consider buying some gold. if you don't mind costs at the high end, consider buying gold sovereigns from the Royal Mint and storing them there. If you have some good way of storing them, gold sovs under your own supervision might be even better. There are also methods for storing gold (and silver) abroad (e.g. Zurich; Perth, Western Australia) and you can hold gold and silver ETCs in SIPPs and ISAs. The point is to invest in something or somethings that do not correlate highly with equities or cash while avoiding expensive-looking gilts.
Consider diversifying your cash. How much of it is in Swiss Francs or Singapore Dollars? How much in Premium Bonds? Have you ensured that you nowhere have more than £85k in any group of institutions that fall under the same banking licence? Etc, etc.
As for moving from cash to equities: the markets look high so if you are going to do it, do it gradually. Use the occasion of moving assets into SIPPs and ISAs to effect any rebalancing you feel you've been nagged into here.