Newbie to Investing

So no idea of investing

i have €150k i want to put away to get ROI , i know of Trading 212 offering 3.5 % but only protect up to €22k and rates going down in Nov to 2.8 %

is there anything that will yield higher ROI with little risk ?

i know the new state saving is dirt free but to be locked into 10 years to get 3 % doesn't appeal to me

so i'd like access to funds ,

S&P vangauurd ?? i know based on last 5 years rates if i invested €50k it would be worth €96k now and tax on gain , the nett would have been €76k so over 50 % return on original 50k , hindsights a great thing :D
 
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