With interest rates so high and recession possibly looming a savings account would likely be best for the majority of your money. You’re looking for safe. In the US I would say open up a Wealthfront account (3.8% interest) and when you’re looking for more “risky” investing you can use their robo adviser to regularly invest some set amount of money. I am not sure of the equivalent in Europe.

But when talking about safety and return in investing in 2023 I think high interest savings accounts should not be ignored. (Backed by Gov Insurance like FDIC)