What should I do with spare cash?

A UK-specific guide — personalised hierarchy, allocation, and fund picks. Not regulated financial advice.

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How much are you working with?
£
Or browse by situation
Inheritance Work bonus ISA deadline Redundancy payout House sale proceeds Pension lump sum
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
Emergency fund
Do you have 3+ months of expenses in easy-access cash?
Yes, covered
Not yet
Monthly expenses
How much do you spend per month? (Used to size cash buffer)
~£1k
~£2k
~£3k
~£5k
~£8k
£10k+
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
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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Your plan

Investment hierarchy
Primary recommendation

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

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OCFs may change. Verify on provider factsheets before investing.