Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How should I invest my money as a young graduate in Europe?
Using a simple investment calculator to get a sense of scale here, to have 70k total, including the 500 a month invested, after ten years you just need returns of 2%.  To earn 70k on top of the money invested you would need returns over 20%.  To do that in five years you would need over 50% annual return. That is quite a big difference.  Annualized returns of 20% would require high risk and a very large amount of time invested, skill and luck.  2% returns can be nearly guaranteed without much effort. I would encourage you to think about your money more holistically. If you get very unlucky with investments and don't make any money will you not go on the vacations even if your income allows?  That doesn't make a lot of sense.  As always, spend all your money with the current and future in mind.  Investment return Euros are no different from any other Euros. At that point, the advice is the same for all investors try to get as much return as possible for the risk you are comfortable with.  You seem to have a high tolerance for risk.  Generally, for investors with a high risk tolerance a broadly diversified portfolio of stocks (with maybe a small amount of bonds, other investments) will give the most return over the long term for the risk taken. After that generally the next most useful way to boost your returns is to try to avoid taxes which is why we talk about 401(k)s so much around here.  Each European country has different tax law, but please ask questions here about your own country as well as you mention money.se could use more ex-US questions.