I disagree with your statement about not having savings in a safe (usually lower-yield) account.
Index funds are usually a good idea in the long term, but right now (June 2017), I would not put a penny in the stock market - it is ridiculously overpriced.
Index funds are usually a good idea in the long term, but right now (June 2017), I would not put a penny in the stock market - it is ridiculously overpriced.