How can I maximise my FIRE ability with this portfolio(is it possible to FIRE)
Firstly a bit about me.
46 year old male.
No children,not married but have a partner who I do not live with.
Work full time for NMW salary.
My financial goal is to be able to FIRE or at least reduce hours in approx 10/15 years time.
I currently own 50/50 split in my inherited property. I am in the process of buying out the other 50% from my brother who lives elsewhere.
I have the savings to do so.
I don’t live a lavish lifestyle at all, no new cars,expensive holidays etc.
I have been a saver most of my adult life.
My current portfolio is as follows.
I realise I am cash heavy and need to invest more into my pension to maximise financial gains but that is where I guess I’m looking for advice.
I will need approx £100k to buy out my brother.
I should get rid of cash as priority for the house purchase obviously.
I have not used my 20k isa allowance for this new tax year.
I only opened my personal SIPP in November 2026 so I could potentially use backdated loophole to fund more into it?
My T212 invest account I am currently down £1k so reluctant to use that cash at present. (It’s invested in VWRP)
My portfolio is as follows…..
Santander 123 current account £23000
Santander savings account £20000
Virgin cash ISA £96033 4.16% matures 24/09/26
Castle cash ISA £88701 4.2% 06/09/26
T212 S/Shares ISA £41089
T212 invest account £31845
Scottish widows workplace pension contributing 10%/10% averaging total £380/month (employer match maxed out)
Current value £37500
Vanguard managed SIPP pension contributing £125/month
Current value £4300