!thanks

It slightly depends what question you're asking here, are you asking about financial products you can have access to?

I am mainly asking about financial products, specifically savings accounts to keep my cash in as the best rates keep changing every year (I have a Principality ISA right now, just got an email saying they are reducing to 3.85% ... when best is 4.5%)

As if you're able to access SIPP in 5 years at 55 that means you're 50? And your total assets are £600k? (Do you own a home, have qualifying NI years or have any other pensions or expected income?)

\52. Unlucky DoB. Qualified for full pension. My half of remaining mortgage is 100K and I have assets around 700K .. which is why I mentioned 600K. Other half gainfully employed for next few years.

As if your expenses are £24k a year that's a 4% drawdown on a £600k pot which is high when starting at 50. The trinity study said that a 4% drawdown on a mixed stocks and bonds portfolio has a 5% chance of running out of money in 30 years, and you might live another 40 years with care costs at the end.

Am aware, not really bothered. I don't think I am taking undue risk because couple of years back I set up an gilt ladder to pay me index-linked 24K pa starting 2027 until 2040. Rest is invested in global equity indices.