investments help need maybe a IFA?

I used to advise on investments but no longer do.
Things to consider.
Your attitude to risk/ reward.
Term that you wish to tie the money up for. (Stocks & shares are very high risk in the short term but not so much for a long term investment - Most pensions invest in them).
What do you want the investments to do (ie produce a lump sum, or an income in the future)
Tax status now & in the future.
Have you a mortgage ? If so are you able to pay off part of it with no penalty & can you access that money again at the same rate ? Saving interest is ussually better value than trying to get a good rate.

As has already been said you need to consult an IFA. They will give you details of any charges etc they make up front.