Today I logged into my Vanguard to check progress and did a little cheer as the big number at the top reads £100,136.79!

This is split over my S&S ISA, my SIPP and my GIA.

My long term plans are to set me up for a very good later life, though for now I'm very interested in my work and am not thinking about RE, but things may change, so we will see.

Job Details:

• Salary £85k
• Pension: Legal minimum (3% from comapny, 5% from me)
• I'm deciding to sacrifice 17%, to round to 20%.

Current Savings/Investments:

• S&S ISA - Current value ~£62k (maxed this year)
• SIPP - Current Value ~£32k (not contributing to this)
• Pension from previous role: ~£52k
• Pension at current role: £0 (just started)
• GIA Vanguard - Current Value: ~£5,500
• Mortgaged House, mortgage of £110k, house value ~£250k

Intended investment strategy:

• NS&I Premium Bonds - £14k (Emergency budget)
• £1000 invested into GIA monthly (move to S&S ISA for next years allowance)
• Overpay Mortgage by £160 (total mortgage payment - £550)
• Regular Monthly Saver of £150 at 3% (to be dumped into mortgage at end)

I realise the mortgage and regular saver aren't "the best" but a little overpayment is good I think to own my home quicker. Yes I could get more in investing that money, but it's a feel good factor. Plus I'm already investing plenty.

In general, what other things could I think of doing, or is that fairly solid and not too much to improve apart from trimming some fat here and there?

Thanks for your time!