10 year left working, how to invest.

Hi My wife and I are 55, no pensions to speak of, she never had one and mine was frozen about 30 years ago. I think it has about a 70k fund in, I also started a nest pension about 3 years ago at work, with their contribution it is getting about 200 a month. We have 100k in premium bonds. We have inheritance coming in the next few years of maybe 180k but anything could happen between now and then so not really counting on this just yet. I would like to cut down work at around 60, if possible, I'm doing a 50 hour week at the moment. No mortgage or debt. Joint income after tax is about 35-40k. We realise we can save about 1k a month when we need to.

OK, so basically 100k to play with. Where best to use this? We don't mind splitting it up and maybe a smaller amount of this for higher risk, maybe 5-10k.

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