We're a 2 job household, 33 years old, salary roughly 50-50% split, with one small child. We bought a house in the Netherlands in Nov 2015 with a 10 year fixed rate mortgage of 166k euro @ 2.3% interest. We have no other debt.
Now, we've managed to save ~80k euros, which almost does not earn any interest in our savings account. We also need to pay taxes on it. Should we invest it? Or, make extra payments towards our mortgage?
We have no experience investing in the Netherlands and are quite risk averse. Where do we start with investing if we have no experience? Do the ROIs on investment make it more worthwhile than early mortgage repayment?
The usual advice on this network seems US specific. We would appreciate Dutch specific advice.