The first card I have to play is The Chariot reversed. This card indicates that you should be aware of all aspects of investing in ETFs. It is important to note that investing in ETFs can be a complicated task and requires a certain degree of financial knowledge. In addition, you should consider whether the fees are right for your needs and whether the ETF you choose is designed to meet your financial goals.

The second card to interpret is Six of Pentacles reversed. This card indicates that when making the decision to invest in a mutual fund, one should be aware of the risks associated with this type of investment. You should carefully review the costs associated with the fund, such as fees and management costs, and consider whether they could be incurred. Also, it is important to remember that funds are not risk-free and can suffer from fluctuations in performance, so it is important to evaluate the fund carefully before deciding whether to invest in it.

Finally, the third card to play is Queen of Wands. This card indicates that in order to make the best decision on how to invest your savings, you need to be aware of the information available on the financial instruments available and find out how they work. You need to be aware of your current financial situation, your long-term goals and the time available to achieve them. Also, you need to know your financial limits so you can make more informed decisions and avoid any mistakes in your choices.

In conclusion, the three interpreted cards suggest that, if you want to make an informed decision about how to invest your savings, you need to be aware of both ETFs and mutual funds. After weighing all the relevant aspects of investing, the most likely decision to make appears to be to invest in a mutual fund. This is because they offer more diversification and protection than ETFs, and it's easier to manage your investment risk with a professional dedicated fund management team.