| 0. Compound interest is your friend 1. Time in market > Timing the market (you're good starting early) 2. Use bogleheads (as mentioned) but check EU specific tax avoidance strategies. Ideally, prefer tax free > tax rebate > taxable investments 3. The younger you are the more risk you can take on, go 10% crypto, 90% equities and don't worry about bonds for now or something along those lines 4. Diversify into US stock, foreign stock, bonds as time goes on rebalance. 5. Once all that is done, look at real estate and other alternative investments. 6. Dollar cost averaging is always a good idea, invest the same amount every month no matter how good or bad the markets are 7. The only caveat to #6 is when you have a lumpsum amount (bonus, etc.) the earlier you invest the more time it spends in the market the greater your returns |