Hi anon, Perhaps you would like to elaborate a little on your current situation so that a more specific answer can be given. A more accurate picture really should take into account factors such as your current age, assets, liabilities, portfolio, cashflow, etc. However, if you don't feel comfortable to share, I will do my best to send you some guidelines to work on - What should I be looking at investing in? Asset classes have two broad forms, guaranteed and variable. Or you can look at asset classes as those with growth and those with income. Which suits you more depends on your goal. If you are near retirement, you should focus more on income assets. Growth assets would work if you have the ability to cope with more risk or have more time to grow them - How should I distribute my cash? Again, this is dependent on your investment goals, as I mentioned above. However, I can say this: Don't throw everything into a single asset class. Diversify. - What should I have set up before I start investing? A multi asset investment account, and a CDP account. Plus, nerves of steel, since you're about to start something that you've never done before. - What are some educational tools that I can use and look at before I start investing? The seedly website has a number of good articles for beginners. Hope that helps.