€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest?

I’m 33 and have around €200,000 just sitting in my savings account in Europe. Every year, I tell myself I’ll start investing in the stock market to build a portfolio that generates passive income. But every time I’m about to take the plunge, market fluctuations make me hesitate—especially now. Give me some hard facts that will scare me into finally putting my money to work