<prompt> Human: Hello, im 27 years old and I have a very small nest-egg saved up with all the money I dont spend monthly.But every so slowly the banks are pushing the interest on savings down to 0, and there are other European Banks that are going negative to spur on spending. So im more than afraid that its a matter of time before my money im trying to save up is going to vanish without me spending any of it.Whats the best course of action? I have thought about investing some of it, but right now I have zero knowledge of how to make prudent portfolios that wont end in disaster. Im prepared to learn, but I dont know what the best sources are to learn about such things.How can I best proceed?  <response>: 0 interest in savings is you taking all the risk. If the bank is unable to give you your money in the case of crisis bank run, insolvency, etc you could lose it all, plus you lose value to inflation in any case. Basically you only gain security against cash burning in a house fire.Switch banks, go international if you have to. 