SIPP + S&S ISA?

[countrytweed]

I'm just looking for a bit of advice, please, as a real investing newbie. I'm 42yo, freelance copywriter earning a decent per day rate, with many pensions spread across past companies that I need to consolidate. I also develop apps with my husband (we have a joint business), which is doing pretty well and we're looking to upscale this venture over next few years.

My aim is long-term growth for retirement (hoping around 65) and helping DCs if needed, as I've not saved over the years. My ultimate dream goal is owning a holiday let (we already have a mortgage), that I'd use occasionally but mostly use as an income.

My thoughts are: 50% of monthly contribution into SIPP (vanguard global all cap) and 50% of monthly contribution into S&S ISA (also vanguard global all cap). Does this sound like a reasonable POA given my circumstances and goals?

Sounds fine as you are wanting to buy a holiday let and you may want to do that before you are eligible to take money out of pensions.

If the business is a limited company, talk to accountant about saving on corporation tax by making payments from limited company to pension.

Thanks for the reply @nannynick - I'll look into the corporation tax point 👍🏼

Maybe diversify your investments via a mix shares and bonds? You currently plan to invest everything in equities, and if there is ever a major market melt down, you will take the full hit. Vanguard has a few bond ETFs to choose from.