I hope this question is OK for the site
I have the following problem:
I have about 40K €, which I don't need and its sitting in my bank account. I have no idea on how to invest, so I am looking for a quick way to essentially store it somewhere, however since the bank gives me exactly 0% interest I need something better.
I need to be able to quickly access 70% of the money if I need it, and by quickly I mean within 3 months. The rest could be invested in risky obscure real estate for instance or something else, where I couldn't quickly sell to get my money back.
I am OK with some risk, but since I don't know what I am doing, I am trying to find the safest alternative to a bank account for now and focus on learning later, when I have more serious money, where it would make sense to spend time learning about investing instead of earning money directly.
Should I just split it between several stock indexes and call it a day or are there better alternatives?
I am living in Europe.
I have no debt.