I have tested a few different phones in year 2020, and here is my answer.
The best phone overall that I have tested is Samsung S10e, it has very fast processor and big screen, it has a lot of good features and includes 5G also. Overall best phone of 2020.
I also tried my friend's iPhone 11 and also the iPhone SE, of course iphone 11 is better but iPhone SE is smaller and cheaper so if you are on a budget then SE is perfect for you.
The phone that I actually own and use everyday is Samsung A80, of course A series is Samsung's budget option, it has very good screen, is not as fast as Samsung s10e but is very good for everyday tasks like reading news, sending text message and email. It has a good camera also.
I hope my answer helped you