What to do with £200k savings, moving overseas?

[Moneywon]

Moving overseas next year, likely for 10 years. Late 30s.

Have about £75k in savings just now (£15k in stocks and shares ISA which I want to keep there, £50k in 4.12% savings, £10k in cash currently - plan to add to savings or ISA). Will also get equity from house sale prior to moving of around £130k, but not till next year.

Might need the equity to buy overseas so don't want to lock it away

ISA interest is taxed overseas so I think limited benefit?

I could do one or more of the following I think:

1 put £20k in ISA now and another £20k in April - could probably do first lot in stocks and second in cash as don't need it all

2 max out premium bonds

3 save with ns&I so it's protected but in one place

4 consolidate savings with pension in one platform so easier to manage overseas

5 other options?

Advice very welcome!!

Depends a lot on where you are moving and their tax regime. You open yourself to currency risks too. So any money you plan on needing for your time abroad should probably be brought over into local currency to avoid currency exchange risks. Which will affect where you should put it now (wouldn't be good idea to buy stocks with it). But fundamentally depends on where you're going and tax regime.

All interest is taxed the same in new country so ISA sort of irrelevant?

Once you move abroad you can't pay any money into an ISA until you return. But you get UK tax relief on gains within it.

You may be able to avoid being subject to tax on interest if you held only accumulating ETFs within an ISA and don't touch it for the whole time you're abroad but depends very much on exact tax regime of the country you're moving to and how they perceive certain products/what taxable events are.

Thanks. Australia