I never invest money I care about
Personally I am using P2P platforms which are able to give around 13%.
Of course there is a higher risk.
Investments are mainly in Euro currency, I am using Revolut for exchange, the spread is the lowest. I always avoid exchanging money during weekends when Revolut has higher fees.
I diversify between platforms, to minimize risk.
What am I using:
All these are invitations from me.
All the time I keep in mind I can lose everything, just like with any other investment.
Stocks can go down, bitcoin can lose all its value, the same applies to gold. At least I can use a gold brick as a cell phone holder.