Should I even bother with this “investment” stuff right now, or just move the whole 13k sum to a simple savings account and worry about reinvesting it in a year?
It depends on when you think you will need the money, and how much dependant you are on that amount. If you plan on using it at some point (e.g. for buying a car) then try something with low risk. Usually insurance companies have good low risk funds, which guarantee a minimum return of 2-3% a year, and average round 4-5% (they mainly invest in bond: you could do it directly on your own, but if you know nothing about finance, you should probably trust them).
If, on the other hand, you think you could afford to risk losing some money in the short run, then go for the equity investment, but try to spend some time to evaluate it and chose the mean return/risk profile that fits you best.
It depends on when you think you will need the money, and how much dependant you are on that amount. If you plan on using it at some point (e.g. for buying a car) then try something with low risk. Usually insurance companies have good low risk funds, which guarantee a minimum return of 2-3% a year, and average round 4-5% (they mainly invest in bond: you could do it directly on your own, but if you know nothing about finance, you should probably trust them).
If, on the other hand, you think you could afford to risk losing some money in the short run, then go for the equity investment, but try to spend some time to evaluate it and chose the mean return/risk profile that fits you best.