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That's the question we all ask ourselves with 10k in the bank! Before I give you my take, I'd need to know a few things: is this money you can afford not to see for how long? Like do you need it in 6 months for a car or can you let it sit for 5-10 years? And do you have other savings on the side just in case, or does this represent everything you've got? Because it totally changes the strategy honestly.
Personally in 2026, I use a mix. I always keep a bit in a savings account for emergencies (otherwise you're gonna crack and pull everything out), then I look into diversified ETFs or trackers like MSCI World - it's less stressful than buying individual stocks and the fees aren't crazy. Then there's also life insurance that does pretty well, depending on what you pick. But honestly, some people still find interesting stuff in bonds or even euro funds if you really want zero risk and something stable.
The thing is nobody can really tell you "put it there" without knowing your situation. Do you have debts? Do you have a mortgage? Are you trying to build up a retirement fund or is this just short-term? Because it's clearly not the same plan if you want to fund a project in 2 years vs if it's money sitting around for later. Tell me a bit more and I can be more precise about it.
JulieFournier asker
It's money I can leave alone for 10+ years, no other savings, no debts. Long-term project 💪
It's not really my thing, I'm a taxi driver not a financial advisor! But from what I hear around me in 2026, there are people looking into ETFs or savings accounts, you gotta check with someone who knows this stuff better than I do!
With 10k€ in 2026, that's really not straightforward! If you want my take as a chef who likes investing in his passions, I'd go with something solid like index funds or life insurance, stuff that just sits there quietly. Though it all depends on your timeline and risk tolerance, but I'd personally avoid anything too volatile - I don't have time to stress about the stock market when I'm busy hunting for my porcini mushrooms! 😄
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