How are you diversifying / managing your money?

With inflation skyrocketing, how are you diversifying your investments? Let's say you have 50 or 100k in the bank you aren't planning to use in the next 5 years. How do you invest and manage your cash?

I realise there is no one answer and it comes down to diversification, but here's how I see it:

1. Pension - yes a pension is a great way to invest and save a fortune on tax, but what will it be worth in 20, 30+ years? You are putting money away you could be enjoying or having to hand now (I realise I mentioned "money you aren't planning to use", but still - you might!), while banking on it giving you a return in your retirement. You hear about pension funds crashing but I guess it's like any investment?
2. ETFs / stock market investments - this always sounded great to me but you are talking 41% tax when you go to cash out, right? So a gain of 10k in say 5 years is really 6k. I suppose it's infinitely better than leaving it in current or even savings account at the bank, once you leave it in for at least 7+ or so years.
3. Gold - I know very little about purchasing gold. Shouldn't you really have the gold in your possession for you to really own it, vs in a vault in some other country? And if there is a massive crash or cyber-attack and you can't access your cash in the bank or it's frozen while they roll out a "Central Bank Digital Currency", what can you do with your gold? I assume in any event you can trade it for something, at some stage.
4. Cash - going back to point 3, if there is a global crash, cyber-outage, etc, and you can't access your funds at the bank, should you have a significant amount of cash at home?

These are all areas I am thinking about and find interesting, and so I'd love to hear your input :)