[Heraclite]

I'm a complete financial idiot. As in, I only have money on a government-guaranteed fund in my bank.

Where do I start to know more about this? I dont want it to stress me out though, Im not so risk adverse when it comes to my finance. I spend very little, but I want to learn more about investing.

Any advice? More specifically for people living in EU?

[brndnmtthws]

Here's the best place to start: https://www.bogleheads.org/wiki/Main_Page

[froindt]

/r/personalfinance is a really good way to get going. It's generally US focused, but I think there are some European focused subs as well. Once you've got a grasp of some of those investing discussions, move on to /r/financialindependence and /r/investing.

Investing doesn't have to be a scary beast, just go one step at a time. I'd suggest starting your studies by reading about asset allocation and expense ratios on mutual funds. Asset allocation will cover how bonds, stocks, and cash behave in various economic situations. Expense ratios are good to understand because they can have a huge effect on how much money you have down the line.

Them look into active versus passively managed funds.

Notice I haven't mentioned picking an individual stock yet. If you're risk adverse and getting into things, I'd highly recommend sticking with low cost index mutual funds. E.g. An S&P500 fund will give you almost exactly what the "overall stock market" would get without the guilty feelings of "I probably picked wrong and I'm screwed now".

Bogleheads is also really good (as mentioned below).

[loeg]

patio11 has a pretty reasonable (if US centric) article on the subject: https://training.kalzumeus.com/newsletters/archive/investing...