Given that it's deep winter and you sound like you have the lump sum, I would be putting it to work straight away by maxing out your isa's for this year and next. That would be 4 x £20k (assuming you don't have one).
@Tenderloin started
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Given that it's deep winter and you sound like you have the lump sum, I would be putting it to work straight away by maxing out your isa's for this year and next. That would be 4 x £20k (assuming you don't have one).