Ccna new york metro salary

Hello, would appreciate advice please.
I (34M) am going to receive £250k and looking to understand the best way to utilize it to realize goals of early retirement. This £250k has the possibility to be subject to potential IHT.
Here's breakdown of my current situation:
- salary is 75k + 13% bonus
- contributing 6% to pension with employer contributing 12%. I can contribute more but employers cap is 12%.
- currently not salary sacrificing anything beyond / do not have a SIPP
- not a home owner (i am fortunate to live in an apartment owned by my parents; we are discussing legally having me added to the property deeds)
- living in outskirts of London
- most of the savings from my salary are used to fund an S&S ISA. I'm now able to max out and invest the full 20k a year.
Current breakdown of NW:
S&S ISA (38%); premium bonds (14%); cash (2%); precious metal (2%); pension (44%)
My last debt was cleared earlier last month.
​
Here's some ideas I've had:
Option 1) Start salary sacrificing and bringing my salary below the 40% tax threshold and instead drip feed 20k for the next 12 years from the £250k into my S&S ISA instead. With the remaining lump sum, put it into an interest savings account (granted I'll have to pay tax on any of this interest).
Option 2) i mentioned we are discussing having me legally added to the apartment deeds i currently live in. I'm wondering if we should do this, or i should buy my first property and put it to rent?
Thing is when I do run the numbers of rental income it never looks worthwhile considering tax / admin fees, and then on top of that you could have issues with the property/tenants as well. I've been told new builds could be worth considering to avoid property issues but i'm still uncertain and honestly don't like the idea of extra hassle. Would it make sense from a diversification perspective and instead of focussing on rental income just thinking about the future property price appreciation if i were to buy in a major city outside of London for example?
I also hear that the rental market is no longer worth it, but if i were to look at purchasing a property to rent out instead of living in, then i'd consider buying outside of London.
Option 3) Honestly speaking, i would love to own a house long term but in the area i live in it would be unaffordable for me even with the lump sum and my salary unless i find a "do-er upper" but then that would require additional funds to renovate and for that you're looking at £550k minimum. Not interested in moving away from the area i live in unless i was to move country.
​
In case of option 2 or 3, f i do purchase a property, does it make sense to use the full £250k towards a deposit or is that silly?
​
In addition, personally, always thought it's better to be in a position of more liquid assets than non-liquid. I understand that investing in the stock market isn't necessary non-liquid depending on state of the markets at time of withdrawal, but i do think they are more liquid compared to property.
I don't like the idea of locking money into a pension vehicle either due to the age access restrictions, but the tax benefits are clearly worth it. Also dumb question: Can my workplace pension be accessed at the same age as a SIPP if i chose to open one? (i.e. any reason i shouldn't salary sacrifice more into my employers pension, instead of a SIPP)?
So, what's the best way i can utilize this lump sum? Is option 1 better than option 2 / 3? Are there other options I should be considering? Am I missing anything obvious?
Thank you for reading my essay.

Hello, would appreciate advice please.
I (34M) am going to receive £250k and looking to understand the best way to utilize it to realize goals of early retirement. This £250k has the possibility to be subject to potential IHT.
Here's breakdown of my current situation:
- salary is 75k + 13% bonus
- contributing 6% to pension with employer contributing 12%. I can contribute more but employers cap is 12%.
- currently not salary sacrificing anything beyond / do not have a SIPP
- not a home owner (i am fortunate to live in an apartment owned by my parents; we are discussing legally having me added to the property deeds)
- living in outskirts of London
- most of the savings from my salary are used to fund an S&S ISA. I'm now able to max out and invest the full 20k a year.
Current breakdown of NW:
S&S ISA (38%); premium bonds (14%); cash (2%); precious metal (2%); pension (44%)
My last debt was cleared earlier last month.
​
Here's some ideas I've had:
Option 1) Start salary sacrificing and bringing my salary below the 40% tax threshold and instead drip feed 20k for the next 12 years from the £250k into my S&S ISA instead. With the remaining lump sum, put it into an interest savings account (granted I'll have to pay tax on any of this interest).
Option 2) i mentioned we are discussing having me legally added to the apartment deeds i currently live in. I'm wondering if we should do this, or i should buy my first property and put it to rent?
Thing is when I do run the numbers of rental income it never looks worthwhile considering tax / admin fees, and then on top of that you could have issues with the property/tenants as well. I've been told new builds could be worth considering to avoid property issues but i'm still uncertain and honestly don't like the idea of extra hassle. Would it make sense from a diversification perspective and instead of focussing on rental income just thinking about the future property price appreciation if i were to buy in a major city outside of London for example?
I also hear that the rental market is no longer worth it, but if i were to look at purchasing a property to rent out instead of living in, then i'd consider buying outside of London.
Option 3) Honestly speaking, i would love to own a house long term but in the area i live in it would be unaffordable for me even with the lump sum and my salary unless i find a "do-er upper" but then that would require additional funds to renovate and for that you're looking at £550k minimum. Not interested in moving away from the area i live in unless i was to move country.
​
In case of option 2 or 3, f i do purchase a property, does it make sense to use the full £250k towards a deposit or is that silly?
​
In addition, personally, always thought it's better to be in a position of more liquid assets than non-liquid. I understand that investing in the stock market isn't necessary non-liquid depending on state of the markets at time of withdrawal, but i do think they are more liquid compared to property.
I don't like the idea of locking money into a pension vehicle either due to the age access restrictions, but the tax benefits are clearly worth it. Also dumb question: Can my workplace pension be accessed at the same age as a SIPP if i chose to open one? (i.e. any reason i shouldn't salary sacrifice more into my employers pension, instead of a SIPP)?
So, what's the best way i can utilize this lump sum? Is option 1 better than option 2 / 3? Are there other options I should be considering? Am I missing anything obvious?
Thank you for reading my essay.

Braves @ Nationals - 01:35 PM EDT

Game Status: Scheduled

Links & Info

• Venue: Nationals Park
• TV: National: MLBN, Braves: Bally Sports South, Nationals: MASN
• Radio: Braves: 680 AM/93.7 FM The Fan, Nationals: WJFK 106.7 The Fan
• MLB Gameday
• Statcast Game Preview

	Probable Pitcher (Season Stats)	Report
Braves	Jared Shuster (0-0, -.-- ERA, 0.0 IP)	No report posted.
Nationals	MacKenzie Gore (0-0, -.-- ERA, 0.0 IP)	No report posted.

NLE Rank	Team	W	L	GB (E#)	WC Rank	WC GB (E#)
1	Atlanta Braves	2	0	- (-)	-	- (-)
2	New York Mets	2	1	0.5 (160)	3	+0.5 (-)
3	Miami Marlins	1	2	1.5 (159)	11	0.5 (159)
4	Philadelphia Phillies	0	2	2.0 (159)	13	1.0 (159)
5	Washington Nationals	0	2	2.0 (159)	14	1.0 (159)

Division Scoreboard

NYM @ MIA 01:40 PM EDT
PHI @ TEX 07:08 PM EDT
^{Posted: 04/02/2023 08:00:01 AM EDT, Update Interval: 5 Minutes}

Hi there,
I currently have a work van but due to leaving I will need to purchase a new car. I was initially debating buying the cheapest car I can with the view that once we have kids my partner can buy a larger car and I would have the hyundai i10. However recent discuss it is looking more like I will be buying a larger car to last me many years and then when we have kids she might trade hers in. A strict requirement is that it has to be automatic as my partner won't drive manuals where as I can but me having an automatic would mean we could both drive it.
My partner currently has a Hyundai i10 (bought for £8k few years ago outright).
Requirements/preferred

• Automatic
• Apple Car Play
• Ideally White, then grey/black no crazy colours
• Heated seats, wheel, lights etc are all nuce features but not essential

Our top choices thus far are:

• Hyundai i30
• Kia Stonic
• Hyundai tuscon was one we were looking at but likely too big for what we need now!

We are leaning more towards the Kia Stonic as has quite a lot of features as standard such as apple carplay etc. Something like these look quite good: Stonic 1 or Stonic 2
Budget
Roughly £15-20k, I have always purchased in cash for my previous car etc same as my partner. We technically have the cash to cover this but it isn't the best timing with our Wedding in 3-4 months, honeymoon and soon to be bathroom renovation which with a new car on top will stretch us to the max. I will be losing my work van soon so will need some form of transport.
If buying fully outright I would be quite keen on trying to put bits of it on credit cards if possible such as £10k on AMEX (paying it off in full straight away) for cashback etc, I also have £3k interest free credit card for 17m as well.
Some dealerships such as that Cazoo don't accept american express or allow split payments between credit and debit etc. I've read that an option could be to take it out on finance (I have handed notice in but will have 3 months worth of pay slips etc and am on Salary of £40k and we already have a mortgage) with the view of then paying the settlement early with debit or credit cards as we have a few months of big payments going out. We would do a bank loan if we needed one (roughly 5.9% apr), and I would do this as a preference to having a car long term on finance
So any advice on options for different reasonably priced not too old, good options specs, cheaper to run, small SUVs etc. Would it be a good idea to take it out on finance initially with the view of settling it early, as long as no early settlement charges etc.