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Investing in your 20s
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Hiya, I think it's brave that you want to start investing now. Just remember that when it comes to investing, you should be prepared to put your money away for at least five years. Think carefully about that before you decide to invest. If five years is too much for you, then you should consider leaving your money in a savings account.

Hi Maureen,

First of all - congrats - to be thinking of investing whilst a student means you have a leg-up on most people and will give you more years to benefit from compounding.

I think the path for students isn't all that much different as it will be for others with the caveat that you can presumably earn no / little money with your studying commitments.

I would focus on saving as much as you can each month, investing this into well-diversified, low-fee, passive index funds using 'Vanguard Investor' and being consistent investing into this as often and as... (More)

I think it makes sense to invest with multiple robo advisors to take advantage of different portfolios. Depending on your interests, you will find that robo advisors hardly offer an exhaustive range of funds or ETFs, so it makes sense to use a couple. For example, ETFmatic only offers ETFs, True Potential Investor dabbles in active funds, and most of the others simply sell a combination of index funds.

If you decide that you want to use at least two robos, pay particular attention to fees. I would use robos that charge a percentage-based fee as opposed to a fixed... (More)

Software Developer in Edinburgh

Picking individual stocks is risky and quite difficult. Almost everyone who tries it, fails. Isn't it better to invest in a fund? I have been investing in index funds and ETFs for years now, and I have gone to bed every night without worrying about a single company's share price.