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  1. Hello,   I work in Germany for a few years (and I don't speak German - sorry) and save 10 thousands of Euros in my Comerzbank's account.  Recently, I got contacted by the bank employee to invest the whole money to their mutual fund with low-risk tolerant plant for the next 3 years. The problem is the money is kept in the bank for nothing as I don't get any interest.   I tried to read the proposal and researched about mutual fund and it shows that it cost a lot of money for the first load (like a few percents of total investment) and the cost of maintaining yearly by the fund's manager. In total, I'm not sure it is worth it to invest in the mutual fund as I will need to pay more money and tax from capital gain yearly if they could invest well (if they fail to gain money, I still need to pay the fee).   On the other hand, I read about  Exchange Traded Funds (ETF) and it costs tiny for buying (few Euros/transaction) and I'm not an active trader so I will not sell them until next 3 years. However, the risk is I don't know which ETF to buy for a good profit (5% / year is good enough) and I'm not sure Commerzbank has the online platform to allow me to buy ETF and sell them whenever I want.   Do you have any experience with it? Please share your opinion.