No mortgage - what to do with cash?

Brendan Burgess said:

I missed the note that you have shares already.

If you have shares in your employer, you should sell them as soon as you are allowed to do so. This is key to diversification that your source of income and your wealth is not dependent on one company.

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Whilst I don't 100% agree with this, it might be a good time to crystallise paper losses to offset future gains?

Tech companies give out shares as part of their standard packages, so Op will continue to accrue annually in his career I assume.

Tech stocks have taken a hammering of 15-30% in the last quarter there is a fair chance if you sold some stocks it might be a paper loss? (First in first out). These losses could be carried forward against future gains right?

Buy some extra income protection? just to top up whatever it is you would get from your employer should you or your spouse become unable to work. Speaking as someone who recently had to avail of it . . . .however read the T&Cs of corpoate policy carefully as benefit is capped.