u/Efficient-Hunter2241

I've been taking on the advice previously given to me on this subreddit, and came up with the following plan. I plan to invest 100K in total (lump sum): 60K in JEPQ, 30K in VUAG, and 10K in in SMGB.L.

I'm based in the UK so I'll prioritise JEPQ in my ISA and the rest in GIA. I'll continue to contribute 5K a year into my SIPP for VUAG.

One thing to mention is I do need some of the income from my investments. Previously, I've been using interest income here and there to pay bills but now I think I should put more into investments.

Love to hear whether this is a sensible plan (balancing income vs. growth) or whether its too concentrated on US tech equity. This is just ETF thats suppose to be the base of my investment instead of parking all of money on fixed rate savers (I see it more as a way to save). On top, I do plan to put 5K-10K ish for single stocks.

I've been taking on the advice previously given to me on this subreddit, and came up with the following plan. I plan to invest 100K in total (lump sum): 60K in JEPQ, 30K in VUAG, and 10K in in SMGB.L.

I'm based in the UK so I'll prioritise JEPQ in my ISA and the rest in GIA. I'll continue to contribute 5K a year into my SIPP for VUAG.

I'm 24 and I do need the income from my investments. Previously, I've been using interest income here and there to pay bills but now I think I should put more into investments.

Love to hear whether this is a sensible plan (balancing income vs. growth) or whether its too concentrated on US tech equity. This is just ETF thats suppose to be the base of my investment instead of parking all of money on fixed rate savers (I see it more as a way to save). On top, I do plan to put 5K-10K ish for single stocks.

Do you still put in money at historical high? I have no VOO for now, only JEPQ which captures pretty much no growth, only dividend and I missed out on the recent market move COMPLETELY. Is it still sensible to buy or should I not let FOMO take over my decision?

Edit: The question I meant to ask is to start buying early asap or wait for a bit for a future dip

everyone says about investing and I see influencers sayings young people should put majority of their savings in the stock market. Although I pretty much only invest in basic ETFs (like VUSA and income ETFs), I'm still very cautious and put 90% of my savings into fixed rate savers. 100% of my savings are gift money from parents (mid 6 figures). I'm working now but I make just enough to cover my living expense. Therefore I try my best to not touch this money at all but I think I'm missing out (?), especially I'm not looking to buy any property any time soon.

Need your advice.

Edit: I don't have a specific savings goal. I guess the dilemma is holding cash makes me feel like I'm wasting opportunities but I don't feel I can take the consequence of losing these money to stock when I didn't make them in the first place