I am interested in basic financial advice for my current situation. I am mid twenties, living in Northern Europe and have gathered some savings over the years. Currently living in a rented apartment, and not planning to move for at least 2-3 years. I have a stable income, from which I can pay my monthly dues and still save at least 500€ each month. However, I feel that I am currently waisting that money in the bank.
My money is currently split over three banks - almost €40k in one bank, on which I currently receive 0.3% interest - €15k in a second bank, with an interest rate below 0.1% - around $10k in a US bank following a work period there, which I intend to move to Europe as soon as possible (should I wait for a suitable moment in currency rate?)
I believe it would be smart to talk with an investment advisor at my local branch, but was hoping to get additional advice from here. I am looking for long-term stable investments / banking options, not here for a high-risk big-wins game. Any comments or links to relevant information would be highly appreciated.