Wow, you're quite a lot deeper into all of this than I am at the moment I see! It seems you're doing quite well.

I've always tried to be smart about the money I spend (I like saving much more). The returns on money in savings are quite minimal here these last years and they seem to keep dropping, so I still want to look into better ways to hold my money.

For now though, seeing as my boyfriend and me have decided to live together, there'll first be a house that needs to be sold, which won't yield as much as it needs, so there's not a lot of money to invest in anything just yet. I think it'll be a couple of years, before I need to know all the ins and outs.