I'm not a big investor, but here is my strategy: 20k blanket: you never know what can happen, this money can be put in accounts with small returns but can be a

I'm not a big investor, but here is my strategy: 20k blanket: you never know what can happen, this money can be put in accounts with small returns but can be available immediately. Up to 5k immediate spending: i like surprise vacations, especially when I surprise myself. This allow me to say 'fuck this, I'm out' and go rent a boat or something. Then, the excess goes into 3 categories. I divide it in 10. 6 part go into low risk, low return investment. State debt etc. It's pension funds, but also weird bank plans (ask a bank councellor); 3 part goes into diverse index funds. I got energy, green energy, old people (they have nice name for it), luxury goods and something else I forgot (i chose not to invest in the defense industry, but I'd take that if I weren't bothered by it). I hedged against tech for a reason: I'm very well paid, and as long as tech do well, i won't be laid off. The last part i invest directly with my bank application. I got lucky [removed humblebrag coz details don't matters]. No real strategy here, invest in stuff you think is worth more than it cost. I don't know if it's the best investment strategy, but the banking councellor helped me with it, so I guess it cannot be too bad. If you're in France, go to a bank outside big cities (doesn't matter anymore as everything is dematerialized) and ask for a financial counselor (it was free for me), they respond way faster than in Paris, and help you decide a strategy. Detail that matters: i don't have kids and mostly frequent women who are independent