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Why 4 years?
Is there a specific date at which you'll need it (e.g. uni fees for kids or something) or is that just a rough timeline where you might move house or retire or whatever? Probably makes a difference as to what you do with it
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Scratchcards?
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We have an ifs/wealth manager but at the low end of things.
Am I guessing that if the lump sum is paying income tax then it will be bonus or shares of some kind?
Generally I’ve found that the advice has mostly been:
how to do things in the most tax efficient way
Once you’ve got that licked what are you doing with your money to get you a return on it -
You could also look at UK Gilts, potentially the ones with a low coupon and pull to par. If you are sure you won’t need the money you can avoid the short term volatility and benefit from CGT exemption.
https://www.yieldgimp.com/
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frankenbike
Tonts
Tenderloin
hesa
@Greenbank
Golf club fodder here but whatever...
What kinds of rates would you be expecting to get, after tax, if you had £500k cash to invest for a 4 year period:
4% after tax?
Premium Bonds could gobble up £150k of it and give ~4.1% tax free and is almost instant access but that doesn't cover the whole lot.