u/Embarrassed-Water-34 — reddlx

Hi Everyone,

I’d really appreciate some feedback on my current financial setup and whether I should be doing anything differently (invest more, less, change allocation, add bonds, etc.).

I’m a 30 year old male, no debt, steady job, earning slightly above average salary. I’m currently renting but planning to buy a property with a partner in the next 3 to 5 years.

Here’s my current situation:

Cash / savings:

€72k in a high interest savings account earning 4.7 percent interest (paid monthly)
Around €2,500 in my everyday transaction bank account at any given time

Investments:

€8,000 in single stocks split evenly between Apple, Microsoft, Novo Nordisk, and Richtech Robotics
€2,500 in the S&P 500
€500 in crypto

My questions:

Am I being too conservative with so much in cash?
Should I be moving more into ETFs instead of holding cash?
Would it make sense to introduce bonds at my stage?
Is my current split between cash, stocks, and ETF reasonable given I want to buy a home in 3–5 years?
Anything obvious I’m missing or doing wrong?

I’m mainly trying to balance growing wealth and being conservative

Open to any advice, critiques, or suggestions.