@fengchi You could put 50k in premium bonds You might get 3-4.5 % return which is tax free more later
You could 20000 into savings isa ,perhaps for a fixed duration You might find that with other savings accounts you are paying tax
Whether stocks are an investment ?,you would be advised to put 10 or 20 k in every month I.e drip feed for a while not all at once
Try to avoid putting money into a country specific fund even if India is tempting( never put all your eggs in one basket -diversification to a point)
Don’t put money into a fund with someone’s name in it e.g Smith,Morgan etc unless it’s van Eck
USA Emerging Makets ,top of the range French Dutch (ASML)Danish (NovoN)German ,Santander Bank
Vanguard (accessible via AJ Bell) ,interactive investors have lower charges
What goes up can go down,only invest what you can afford to lose therefore don’t not invest more than half of it
You need to familiarize s yourself with dividend allowance 500 poundsonly and capital gains (3000) allowances
Savings interestallowance depends on your tax rate at best 1000.
Do not invest in AIM shares unless 5-10 k ,you are throwing it away
Gold despite its price , you could put 7.5 k max to purchase 125 grams approx in case of further wars aka geo-political uncertainty Lot of people dislike as no yield it’s just a hedge
Or you could purchase or begin to purchase a little property in Edinburgh,Cambridge Cheltenham,but at least somewhere where it won’t get flooded (global warming),anywhere but not at the bottom of a valley(head for the hills) Property seems stressful but is more reliable(bricks and mortar)