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I wouldn't put anything in S&S until you've got the house deposit and emergency fund squared away personally. You also might want a bigger emergency fund once you have a mortgage to pay.
Otherwise nothing wrong with bunging money into LS100, except some people say it's too UK-weighted I think
frankenbike-
Sort of too late for that, considering I've been depositing regularly for 4 years now.
I should have also added that I have a decent chunk in PBs, and if I ever explicitly needed something in relation to property then I can just withdraw that from there. We're looking fairly comfortable deposit wise, nigh on close to 20%
Sounds like I may just stick with the LS100 - onwards we go
cmburns
All this talk has made me wonder if I'm putting too much/little into my Vanguard LS 100 - been putting in about £300 monthly since 2021, with the intention of it being used later on in life, say 20+ years time. Just sort of set and forget with it, to be honest. Worth diversifying?
Will never come close to maxing out £20k as far as ISA's are concerned - £4k goes in the Lifetime ISA and then just below that with the S&S ISA at Vanguard. Only financial goal at this time is to get on the property ladder at some point this year or next and get my emergency fund to 3 months of salary which will take an age due to how little I put in a month...