A UK-specific guide — personalised hierarchy, allocation, and fund picks. Not regulated financial advice.
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How much are you working with?
Income tax band
What rate of income tax do you pay?
£100k–£125k trap check
Is your income between £100k and £125k?
Yes — personal allowance tapering
No
60% effective marginal rate. A SIPP contribution reverses this — every £1 reduces your tax by 60p. This overrides almost every other recommendation.
Emergency fund
Do you have 3+ months of expenses in easy-access cash?
Yes, covered
Not yet
Tax wrappers used this year
What have you already used?
Used ISA allowance
Max'd SIPP
Nothing yet
Mortgage
Do you have a mortgage? What rate?
No mortgage
Under 3%
3–5%
Over 5%
Timeline
When might you need this money?
Under 12 months
1–3 years
3–7 years
7+ years
The coin flip
Fair coin — heads doubles it, tails you lose it all. Do you flip?
Flip it
Pass
80% chance of +50%, 20% chance of −30% — take it?
Yes, take it
No thanks
Headache tolerance
How do you feel about monitoring investments?
Zero — set and forget
Happy to review annually
I enjoy this stuff
Strong prior beliefs
Any of these resonate?
Bullish on gold
Bullish on Bitcoin
Want less US exposure
Bitcoin 30-day volatility is currently elevated. Consider keeping well under 5%.
Gold momentum is strong currently — community is watching closely.
Wealth context (optional)
What are your total investable assets? excl. home & pension
Helps us flag when this money is a trivial satellite vs a major commitment — and changes the risk framing accordingly.
Investing
£10,000
Total investable wealth
Skipping this is fine — the core recommendation is the same either way.
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Market data is more than 36 hours old — enrichment may have failed.
ISA deadline — 5 April
Your £20,000 annual allowance resets on 6 April. Unused allowance cannot be carried forward.
Your plan
Investment hierarchy
Primary recommendation
What changes given your wealth context
Mortgage overpayment calculator
£200,000
4.5%
£10,000
Most lenders allow 10% of balance/year penalty-free. Check your mortgage terms.
General information only — not FCA-regulated financial advice. We are not FCA-authorised. Consult an FCA-authorised adviser for personal recommendations.
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Fund reference
OCFs may change. Verify on provider factsheets before investing.