32yo, £98k in cash, £63k in stocks,my home purchase goal has just evaporated. What to do next?

Removed - R2

For years, I have saved diligently, planning to purchase a first flat for myself. However, I find myself in some changing circumstances. I am planning to move in with my partner, who already owns their own flat, mortgage-free. We will split any bills 50-50 as we both earn the same amount. (£55k each).

As such I am now left in a position where I have a relatively large amount of cash and no desire to use it towards a property.

My Stocks & Share ISA is already maxed for this year. What are my choices if I am not planning to use this money any time soon? My Pension is a DB scheme so can't easily add extra to it. Should I consider putting some in a SIPP?

I should mention that £36k of the £98k is locked in a Lifetime ISA.

Just feeling a little lost and unsure of what to save towards now.

I welcome any ideas on how to move forward.

Posted Jun 26, 2025, 9:10 PM UTC · locked

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