I would say that if you have that large amount to invest, but don't know what to do, then don't invest it.
It's not a couple hundred bucks where you can "test" it out, 12k is a large amount.
Would you spend 12k on a mystery box that you don't know what the contents are?
Would you trust a random stranger who said, "oh! theres a log of good things in that box, trust me! Just buy it!"
Investing 12k in crypto but not knowing what to do, then asking on bitcointalk what to do, is exactly like that example I just shared.
Despite the rising price of BTC, there is still time.
You don't need to jump in now.
Take your time to research what crypto and blockchains are all about, research the market, research individual projects.
Then decide what you will buy.
Some general advice I can give you though, is if you are new, split the 12k into three different coins, with about half of it in btc.
Also, right now is a really bad time to buy cause prices are inflated, in a couple weeks prices should start to dip.
Hello thanks for your reply.
How can I know when prices are low enough to buy/not inflated? Like how can I spot the dip?
Can you point me to tutorials or phrases and to google or websites to learn about this
