Where to hold a nest egg

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2021.10.27 16:49 Pirrt Where to hold a nest egg

I'm not in the best circumstances, especially when compared to others here, however I am fortunate enough to have an investment portfolio and be currently holding 3 months worth of expenses in cash (if it is relevant I've had this cash sitting around for at least a year or so).
As rates are horrifically low and the nest egg is really only there for worst case scenarios, is it a good idea to invest this money?
I invest in HSBC all world, S&P 500 and vanguard 90/10 all through HL so they're all low cost trackers with little to no fees on withdrawing cash. My current cash ISA also has a two day withdrawal period which is the same for most of these funds. This means literally getting the cash to use it takes the same time.
The only risk I can truly see is everything going wrong at once. Having to withdraw during a market downturn and pulling out less money than I put in. Apart from this worst case scenario I can't see any issues investing this rather than holding as cash.
Nest egg is also on top of other cash savings (couple of grand sitting for cahouse/holidays).
Any advice is great!
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2021.10.27 16:49 coopa02 Advice for buying a first bike?

Hi All,
I am a 19 year old who is looking to go to university next year, with it being quite tricky to get to on public transport I am looking to do my CBT and acquire a 125. I must say I have no idea about anything when it comes to bikes, so I was originally looking at buying a Honda CB125F brand new, but I’ve been quoted £1208.56 for my first year of insurance.
I do not necessarily need anything flashy I just want a reliable bike to get me from A to B, I have a friend who can come with me to view bikes but I guess I was just looking for advice on cheap but reliable 125cc bikes, and obviously £1208 is expensive for insurance, I’m not sure how pricy that is in the grand scheme of things.
Can anyone give advice on how much my insurance should reasonably be on a bike and what bikes are reliable and cheap?
Thanks in advance for all replies
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