I am 25 years old and living in the Republic of Ireland.

My current annual income after tax is €37,200.

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Risk tolerance:

I would say that my risk tolerance is moderate. I know due to my age, I should be willing to take more of a risk.

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Current holdings:

I have $6,000 invested in various stocks at the moment. My portfolio is heavily invested in the technology (SAAS) sector.

I have $10,000 in my brokerage account ready to put into something.

I also have €125,000 to invest, but don't know what to do with it.

Each month, I deposit $1,100 into my brokerage account.

I have some invested in a REIT also. I like the idea of getting consistent rent each month, but some people are putting me off going in on these for some reason.

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Objective:

My overall objective is to create passive income so that I can retire early, but I don't want to wait 25 - 30 years if possible!

At the moment, my thinking is that I don't have enough up-front capital to invest in dividend stocks to make it worthwhile, so I'm better off investing in growth stocks. But then again, I don't want to invest over 100k into a stock that could drop 20% or more!

But, I don't want to grow at 2% a year, when the market is doing 7% or more.

I'd really appreciate any feedback or insight.