hindsight is a wonderful thing gav! I think we all wish we bought Bitcoin! I’m much the same, conservative risk appetite. All this crypto business reminds me of the dot com bubble when people were pouring money into anything internet related, half the companies weren’t actually doing anything. 20 years later only a few companies still exist. chance of choosing the right company....slim...
I think there’s still a place for savings accounts, in that if your goal is to save a deposit for a house, you don’t exactly want all your money at risk in the market. For example it took 20 years for the US market to recover to its old high after the Great Depression.
but I agree, index funds for the win