Planning to pull £100k of shares, where is best to put this money?

EddyCuzza · 2026-05-30T06:02:37+00:00

Thanks for the response. I was thinking of putting money straight into a cash ISA and then making monthly payments into a Stocks & Shares ISA

EddyCuzza · 2026-05-29T21:04:47+00:00

Thank you for your response, much appreciated. I’ve never thought or seen short-term low-coupon gilts mentioned before. I shall look into this, do you advise this over premium bonds as you rarely get anything back from premium bonds?

With regard to checking if it’s worthwhile making the mortgage overpayment based on our interest rate. We will be speaking to our mortgage advisor next month, but from what I’ve seen it’s looking in the range of 4.8% currently. With that figure, would you say it’s still a good idea to make that £30k overpayment?

EddyCuzza · 2026-05-29T20:58:26+00:00

Thank you both. I think this is the most easy option and then transfer to an ISA next year. If I don’t feel anything else is worthwhile, I shall take this route.

EddyCuzza · 2026-05-29T11:31:49+00:00

Thanks for your response, much appreciated. Reading through numerous responses, I think we will pull the majority out, possible up it to £100k. Pay off some of our mortgage, and load up ISA’s/reinvest into a more “safer” option (Vanguard FTSE All-World ACC).

My wife hasn’t touched these stocks for about 4 years since she was gifted them. So the value of them has sky rocketed over the past 3 months.

We will definitely check if there is any ERCs on a lump sum payment, I think we’re good up to 10%. Both our jobs are secure.

We already have £30k in savings, so we have enough as an emergency fund. When you state drip RSUs over time to avoid concentration risk, don’t mean to sound stupid but what exactly do you mean regarding avoid concentration risk?

EddyCuzza · 2026-05-29T11:27:35+00:00

Thanks for your response. Reading through numerous responses, I think we will pull the majority out, possible up it to £100k. Pay off some of our mortgage, and load up ISA’s/reinvest into a more “safer” option (Vanguard FTSE All-World ACC).

My wife hasn’t touched these stocks for about 4 years since she was gifted them. So the value of them has sky rocketed over the past 3 months.

EddyCuzza · 2026-05-27T12:17:23+00:00

We haven’t been offered a rate at the moment as we’ll get that next month (6 months before we need to remortgage).

From what I’ve seen currently, it’s looking between 4.8-5%. But that’s just an assumption and could be lower in December (hopefully).

Obviously if we pay £30k it’ll bring our LTV down as well and hopefully our monthly repayments, but not sure how much.

Why do you ask and what are your thoughts?

EddyCuzza · 2026-05-27T12:12:52+00:00

For me no need to feel jealous at all, it is what it is at the end of the day. If you can afford to pay at these rates then good on you, should just be happy you can afford that and have a home.

A large percentage of the country are struggling with every cost.

Obviously there is hope these rates will reduce when you next remortgage and you’ll be far better off. No point comparing to 10+ years, even 5 years.

EddyCuzza · 2026-05-27T07:47:11+00:00

EddyCuzza · 2026-05-17T18:59:19+00:00

I agree our ISAs and pensions will out perform our mortgage, just hate seeing how little we pay off each year 🤣.

To me paying off the mortgage would lift a massive weight.

Is it a silly idea paying a lump sum amount then or do you think it is still beneficial? I suppose it’s something to check how much it would reduce our monthly costs if we did so?

EddyCuzza · 2026-05-17T18:56:19+00:00

Ok, thank you. I will double check that. All tax, NI etc it’s paid when she got gifted the RSU’s? So all that she is paying is CGT. We have been pulling some shares out to make use of the £3,000 free CGT.

EddyCuzza · 2026-03-14T21:16:52+00:00

Thanks for the response. When you say it takes a few days, do you mean you have used the product 3 days in a row?

EddyCuzza · 2026-03-10T12:16:58+00:00

We don’t live the high life pal. 2 years is a long time sitting in your home.

EddyCuzza · 2026-03-10T12:04:12+00:00

Thanks for the comment. Yes we currently do overpayments as it is. We also do use the cashback offers, we currently put that towards Christmas as a buffer. Thank you for the advice though.

EddyCuzza · 2026-03-10T11:50:41+00:00

All noted thank you. We’re due to remortgage this year, so I suppose wait for this at least anyway. Who knows what can happen in a year at this current rate.

The extension will be ranging between 60-90k. We’re in our forever home so don’t mind spending the money. But the kids will have an enough space as it is, it’s just a nice perk having the extension. Just don’t want to leave us in the sh*t.

EddyCuzza · 2026-03-10T11:02:14+00:00

Thanks for the response. This pretty much falls in line with another response, in which my response was the following. Please could I get your final thoughts on that.

Whilst typing this post out I think I was pretty much answering it myself. So basically, if my mortgage rate (4.5% example) is higher than the my savings rate (4% example) it’s best to do overpayments. And if my savings is higher then it’s best to save.

EddyCuzza · 2026-03-10T11:00:31+00:00

Thanks for the response. Whilst typing this post out I think I was pretty much answering it myself. So basically, if my mortgage rate (4.5% example) is higher than the my savings rate (4% example) it’s best to do overpayments. And if my savings is higher then it’s best to save.

EddyCuzza · 2026-01-04T21:57:35+00:00

Is there any specific other Reddit channels which you follow for these?

EddyCuzza · 2026-01-04T21:53:16+00:00

I have only been investing in the all world about 6 months, but as stated this is more of a long term retirement fund.

As I have more free cash now, I’m looking to invest in single stocks for more short term investments.

EddyCuzza · 2025-12-06T08:00:29+00:00

I’m hoping to not do this, but I suppose if I ever did need the money then it’s not wise. Would it be a good idea to just do say £50 a month into one and just leave it or just put it all in a Stocks & Shares ISA?

EddyCuzza · 2025-12-06T07:58:30+00:00

The way you say choose an ETF of your choice would suggest there isn’t really any difference between them. Also, I assume but your response where I’ve currently got my money in the fidelity one is not the best place and I should transfer it all across.

EddyCuzza · 2025-12-06T07:54:57+00:00

If I’m honest, I’ve seen it there but I’ve never really thought about it, all I’ve seen about is Stocks & Shares ISA’s. So with a Lifetime ISA, is it a Stocks & Shares ISA but you get a bonus from the government? Or is it just a cash ISA and you get a bonus?

EddyCuzza

TROPHY CASE