Long time lurker, first time poster.

Wanted to gauge thoughts on investments etc.

Current situation as follows:

Age 32
Single
Living in 2 bed flat (75 year remaining on 99 year lease) and happy with area and now mortgage free.
Savings £2,500, normal saving account.
PEP worth approx £8k
2nd car for sale and hopefully get £8k from that (now have company car and no use for it).
Been in new job 6 month.
Disposable income after bills c £1500/month.
Compnay pension 100% in equities at present.

So where would you put your money?

As much as blowing it on expensive tat sounds good I'm too tight and like saving

Personally, I'd build up a nice reserve of cash in case you become unemployed (mind you, you wouldn't need as much as me as you own a flat). £2,500 doesn't look much compared to your income. I'd try to keep enough for several months to live on. Make sure you use your ISA allowance so you get tax free growth.

I suppose the rest comes down to when you are saving for and your attitude for risk. If you're going to upgrade your flat to a bigger house after the crash, then maybe safety is important, and you don't care about non HPI. Are you a higher tax payer? It sounds like it from your spare cash. National Savings do a product where you get inflation-linked interest tax free, which is good for higher rate payers. I don't have any equities (besides a company pension) at the moment as I'm not convinced that the stock market has much of an upside at the moment, and lots of potential downside.