Holly Mckay
Holly MackayFounder and CEO
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    • Home • Advice • Common questions

    After paying off my mortgage, what's the best way to split my investments?

    08 April 2026

    Question by Boring Money reader

    After paying off my mortgage and building 12 months of emergency cash, what's the best way to split my investments between stocks, bonds, gold and other assets?

    Answered by Holly Mackay

    The answer to this comes down to how old you are and when you will need that longer-term stash.

    You have your shorter-term pot in cash. Maybe think of the rest as a medium-term pot and a longer-term pot. Arguably, the longer-term pot (7 years+) should be all or mostly in shares, and you might choose a more mixed approach for the medium-term pot.

    As always, the devil is in your detail – if you are 99, my answer would (possibly) be different!

    In my mind it all comes back to this: do what you need to do so that you never get forced into a corner and become a forced seller when markets are crashing around your ears.

    Answered by

    Holly Mackay

    Founder & CEO, Boring Money

    I’ve worked in investment markets for over 20 years. I started out at Merrill Lynch Investment Management and worked at a few big names before setting up my first business in 2008.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.