First investment ETF- 30 years towards retirement? : eupersonalfinance


Hello, I have been browsing this sub and many others about investing.

My situation: I am 24, have around 25k to invest and just want to focus on securing a retirement fund with the money – therefore investing for around 25-30 years. My idea is to just set it and forget, therefore I wanted to choose the standard all-world ETF.

ETF: Vanguard FTSE All-World UCITS ETF (USD) Accumulating

My questions are:

  1. I know that lump sum beats DCA 2/3 of the time. However, what is the current sentiment among people that are around you? Should I just keep a part of the money on the sidelines in case a correction comes or is “time in the market beats timing the market” just the way to go in this case? Should I just put it all in and forget about it?
  2. Should I add “Emerging markets” ETF for around 10-15% of the money?

Thank you all for your input!



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