Why not just leave it at the bank? It's always nice to have a bit of money on the side for unexpected expenses (eg. car breaks down) or if you should find your

Why not just leave it at the bank? It's always nice to have a bit of money on the side for unexpected expenses (eg. car breaks down) or if you should find yourself without a job for a few months, or if you need a down payment to buy an appartement. If your money is tied up in investements, it's just going to be a hassle to get to your money, and it's going to cost a lot in fees if you need it sooner than later.