Newbie here, where to put 20k
As text says I need help knowing where to start, 37 years old recently married with 2 babies, been saving from I left high school, saved upto 50k between 2 savings account, 1 savings account with Santander has just informed me the interest rate is falling to 0.9% which is just shockingly bad
Never even thought of investing til a month or two ago since conversations at work started coming up about it, after viewing the market tho I'm afraid I've waited to long as everything appears to be at an all time high, people in my family say I'm crazy investing so much as the market is due a crash, my thought is to keep the higher rate savings account with 30k in it for emergencies and the 20k in the Santander one pour it into a stocks and shares ISA, but I just don't know where to start, should I just put it into an index fund like Nasdaq or do vanguard ETFs or maybe a tech pie? When I start browsing trading 212 I feel so overwhelmed, any advice would be appreciated as I just want to grow this 20k much more than leaving it in a poor interest savings account doing nothing