Not a million! but would still like your thoughts

Are you on minimum wage? if so lower them to 16 and use some money to top up your wages. Put as much as you can in ISA this year and next. Put as much as you can in the NI bonds, both are exempt from declaration on Working Tax Credit. next year at age 60 you can continue to claim WTC as you'll only have about 100,000 in declarable money and that won't bring you in much so you'll get interest on your bonds and ISA plus wages plus the interest on your other money which will be about £3000. then claim WTC which could bring income up to about what you are getting now but you'll only have to work 16 hours.

Thanks. I would certainly love to work part time. I'll give that some thought.

Historically the stock market delivers the best returns of 5% over and above inflation compared with 1% from cash, but it is currently overvalued -

I'd invest it in Zopa, which imo has the best risk vs. reward characteristics at the moment - 4521&messageP9392#509392 You can get ~6% gross (4.8% net) over 3 years from the borrowers with the best credit ratings. Once the stock market becomes better value for money I'd invest using this strategy - Get a state pension forecast (BR19) - One of the best investment returns is to purchase NI Class 3 qualifying years at £655pa. You can go back six years. An even cheaper way is to do a bit of work on a self employed basis, and pay the £130pa Class 2 contributions. Seek further advice, though, because it's not straightforward.