WWYD

Hi all,

Looking for advice as I find myself in a new position;

Context: I'm a 3rd year medical student @ Cambridge, I run a successful online business (~$80k/year post-tax). I have £180k split across: LISA (£18.6k), S+S ISA (£56.5k), GIA (£51.3k), Premium Bonds (£50k), Emergency Account (£5k). I have maxed out my ISA and CGT personal allowances for the 25/26 tax year.

What would you recommend is the next step? I've slowly been shifting out of Stocks and Shares to de-risk myself (previously 50% VUSA, 50% High-cap stocks). We love the power of compounding, but at current rates, I'm FAR beyond my CGT allowance in unrealised gains - that will need to be sold eventually.

Any advice would be HUGELY appreciated :)