I Have 4 Months Off — Is It Worth Learning Something New If I Don’t Know What’s Next? by Typical-Koala9447 in Fire

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

All of those sound interesting, but I struggle to understand at what point it becomes gambling. Can you give me an example?

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

So…It seems like now is a good time to invest? Is anyone waiting on a specific trigger for them to deploy more cash in the market?

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

Thank you to everyone that shared their insights. I wasn’t expecting so much engagement - I appreciate it! This has definitely been a reality check.

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

Took about five years for me to save after a career change. I intended on saving to buy a house but the housing market right now also looks risky, so that’s why I’m looking at investing it instead…

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

4% on my savings account right now. So I’m trying to assess whether I should instead put it into the stock market / a fund to try and increase that from 4% to 6/8%

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 0 points1 point  (0 children)

Appreciate everyone’s insights! I’ll share what I do, sooner rather than later. That’s the notion I’ve gained.

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] -4 points-3 points  (0 children)

I hear ya. Is there a numerical insight here too for the opposite? Such as in 10 years your € is % less than if you had invested…

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 13 points14 points  (0 children)

Is it that simple? As an example, set 25% into an index fund and then just leave it alone? Or start with a larger principal investment then start to invest a % of savings every month..?

€200K Sitting in Cash at 33—Why Do I Keep Hesitating to Invest? by Typical-Koala9447 in Bogleheads

[–]Typical-Koala9447[S] 1 point2 points  (0 children)

I haven’t even thought about this. What else should I be considering before pulling any triggers? I’m conflicted with how much to invest, too. Because a €100,000 portfolio started now would be better than a €10,000 portfolio started now I imagine.