Hi All, I’m a good saver but don’t have a financial education so haven’t invested at all before and am quite naive. I’ve been reading the very informative forums here (thanks everyone!) and am ready to invest, but not quite sure where to start. I’m 30, stable income $85k, no debts, no assets other than $100k in a USaver account. I can save $1500 per month. My investment goal is simply to maximise wealth over the long term (10 years plus). I need to keep $20k at call for future expenses. So with the rest of the money I’m considering either: 1) investing it all in a portfolio of ETFs or index funds in one hit and keep the $20k at call in the USaver. 2) dollar cost averaging into a portfolio of ETFs or index funds over a period of time and keep the $20k in the USaver. 3) buying a home, then I can keep the $20k at call in an offset account to avoid tax, and invest the balance (if any) in a portfolio of ETFs or index funds. 4) buying an IP, then I can keep the $20k in an offset account to avoid tax, and invest the balance (if any) in a portfolio of ETFs or index funds. I’m also concerned about what I’ve read here and elsewhere about Aus property bubble, broader economic concerns and risk of double-dip recession etc. Is it better to just ‘stay out of the market’ altogether for now? Sorry it's long. Would appreciate any advice/opinions/criticism/alternative suggestions etc.