Sitting on cash + pension

Hi HENRYs

Hope you’re all on a well earned wind down for the holidays.

Looking for a bit of advice.

Context 31M, single, London, £240k TC.

Investments: £320k pension, £200k ISA, £50k NS&I bonds, £200k cash

Two questions that I’d appreciate some input on:

1. Over indexed on cash as I was hoping to buy property. But after running the numbers and shopping around, it doesn’t quite seem like the sound financial move I thought it was + I enjoy the freedom of renting. Wanted to instead invest this in a GIA. However, given my time horizon isn’t 10+ years (might change my mind) and the market looking over valued - I feel nervous biting the bullet right now. Anyone navigated a similar situation with some advice?

2. I’ve aggressively salary sacrificed into my pension. I’d like to retire early, say 45. Would it be dumb to now switch strategy and just take company match (4%) and throw the rest into a GIA or should I still max the tax benefits until I hit the taper (which may never happen - not sure I have the energy to earn more)?

Thanks all - appreciate it!