Sometimes I read people saying that having an emergency fund is necessary and that you can invest the rest of your money into the stock market (read as passive investing in ETFs due to low risk). But other times I read, only invest how much you can afford to lose.
I'm not sure how to approach investing and especially how much i should invest in ETFs.
Let's say you have 30k to your name as a 22 year-old graduate earning a net 30k yearly (europe) living at your parents home (no immediate need to buy a home for the coming 3 years at least). Let's say for arguments sake you keep an emergency fund for 5k, leaving you with 25k.
Would you invest all that 25k in ETFs in this situation (besides the point but e.g. 60% US-europe large cap etfs, the rest in REIT, emerging markets ETF, gov. bonds ETF).
Or is 25k (out of 30k) too risky to put in ETFs? if so, what else would you invest in?
I'm basically trying to understand how much of their money people usually invest. Do you keep more than just emergency funds 'safe' or do you invest everything else?
edit:spelling
Submitted May 11, 2018 at 02:57PM by pos_3895 https://ift.tt/2jNUVLo
