I don’t know anything about European investment channels, but in the U.S. the advice usually goes: * max out 401k * max out health savings account (HSA) * ma

I don’t know anything about European investment channels, but in the U.S. the advice usually goes: * max out 401k * max out health savings account (HSA) * max out IRA, or backdoor Roth IRA if income is too high * deposit certain amount monthly or regularly into a so called broad based index fund / ETF strategy, having a mix of broad market, growth market, dividend, international, developing market, small capital, and so on ETFs.