r/FIREUK•
Former-Bar-1612

Allocation of investments

We (41M and 39F, no kids) intend to FIRE in the next 3 years

Our current finances:

Current salaries are 400k and 35k

ISAs: 280k GIAs: 170k Savings Account: 30k Foreign investments: 65k Pensions: 120k

The goal is to save aggressively on these years. My question is on whether it makes more sense to save on pensions and use up the allowances from the years before (close to 100k ; or to prioritise saving in the GIA and take the tax hit to get a safer bridge to pension. Topping up the ISAs every year seems like a no brainer.

Thanks in advance

Posted Mar 5, 2026, 4:48 PM UTC

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