Anja, I find myself in the same boat as you, although with less money currently saved up. I'm still learning, but so far there are some trends that my INFP mind has picked up on. Keep in mind I'm still processing information - consider this my 'rough draft' gut feeling.
First, the threat of hyperinflation is real. It won't happen tomorrow, but figure in 2 or 3 years we can expect it. Maybe less, not likely more. So finding ways to guard against inflation may be just as important, if not moreso, than finding 'good investments'. So what are the best ways to protect against inflation?
Gold is a good, safe bet. Problem is the gold market is acting strange, with quality gold being in demand, hard to find, yet being strangely undervalued in relative terms. The terminology is still foreign to me, but it appears finding quality certificates, or getting your hands on the actual gold, is really difficult, while it's easy to find certificates where you agree to let the bank hold onto the gold. Maybe I'm off here, but I just don't get warm fuzzies from all that... it's going to take alot more research before I'd be brave enough to enter the market. I mean, what is keeping the banks from selling more certificates than they have gold? * genuine question *
Silver is treated as an industrial metal... so as production hurts so will its value. It's hard for me to get a feel on future value of silver.
I've also considered exchanging some dollars for the Chinese Yuan. I have little doubt that China's economy will grow stronger while the U.S. will grow weaker. I haven't learned how to best take 'advantage' of that yet, though.
Damn, this post is growing too long. I'll share more thoughts later if someone doesn't convince me I'm way off base.
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