I'm 26 live in the UK and do not own a home. I have a regular income of which I save about 33% off after tax and I've good job security. I'm single with no children. I've 60% of my savings in a P2P lending provider which allows me to sell my loans if I need the money. I've also 10% in regular saving accounts. I'd like to dip my toe in to stocks and after doing a little bit of research think I should invest in the IJR index fund. The money I've allocated is sitting in a 0% current account so I'm conscious I may be rushing in to this.
My attitude to risk is that it's not the end of the world if I lose some money if it gave me the opportunity for higher returns although it's possible I'd want to withdraw this money in 5-10 years for a deposit on a house which makes me more inclined to find a middle ground risk wise.
Should I invest in just one fund and does this match my attitude to risk? Is this a good starting point or do I need to slow down?