30M: 58k€ NW, Debt-Free. Sitting on 31k€ cash & stuck.

Hi everyone, I’m 30, single, and just got a promotion. My net income is now 2800€ (well above my local average). I fully own my apartment and have no debts. Monthly expenses: 1k € – 1.2k €. Current Portfolio (~58k€ total): Investments: ~26.5k € (Spread across VWCE, AVANTIS, local bank funds). Currently adding 400 €/month. Cash / Savings (2.7% APY): ~31.2k € The Problem: My 12-month emergency fund only needs to be 12k €, so I have 19k € in excess cash. I kept it liquid as a potential 30k € down p