I guess this question is a little out of the ordinary. So sorry for the brain-dump in advance.

Some information to clarify beforehand

- I have a profitable business- I already max out my pension contributions each year. I expect to hit the lifetime allowance on this before retirement. My spouse should also be there or thereabouts.- I have approx. £800k in retained profits inside my LTD co from last year after pension contributions, salary and dividends.- I expect this to increase by £500k pa at least in the following years.- I have just been through a business expansion last year, moved to bigger premises, more staff, more products. The next two years will be about stabilisation and profit maximisation before another growth stage in 2026.

I have setup a separate subsidiary company with a n LEI to transfer retained profits into, invest as a business with a view to using this vehicle to drawdown salary and dividends (in addition to my pension) after early retirement - there is a 15-20 year horizon on this. I am 40.

I am looking for ideas on how people would invest this cash balance.

On one hand I am tempted for ease and safety just to drip this all into VWRP and forget it for a decade.

On the other hand I don't really have the pressure of NEEDING this for retirement, so I can be a a bit more adventurous, so have been looking at funds such as PHI, HGT, HVPE. ATT, Fundsmith etc

I'm really not expecting equities to recover in any meaningful way until rates start to fall and we have entered the inevitable recession. I'm planning on staying in cash until then. I know you can't time the markets, but this seems like a no-brainer to me at this point?Any counter arguments to this. Maybe drip feed in increasing amounts all year focusing on dips when the occur?

I expect gold may do well once interest rates start to fall, so any comment on drip feeding into SGLN?

I'm also interested in exposure to emerging markets and understand that managed funds are best for this? I have seen JMG mentioned a couple of times?

Or should I be looking at something completely different - going all in long term on high dividend equities?

​

I appreciate that nobody will be able to answer all of this, but any input on any of the points would be much appreciated.