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@skovc If you know exactly where they peak is and where the bottom will be go ahead and wait. If, like us, you don't start DCA a set amount each month.

@tjschaffer I mean for the downpayment. Depends from the time horizon, if it's shorter than 3-5 years it is risky. You may be forced to sell during a downturn or delay the purchase further.

@mikeym I thought that was obvious enough (you don't), but I guess not. I'd consider that budgeting which comes before this line of thought even begins.

@kellypmart Unless you're saving for a house you should have your emergency savings only in the bank account and everything else invested.

@biblicalbro I did not downvote you. That said, I think it's still totally worth to raise the point that VT is a hassle to get if you're a EU resident which he probably is if he's posting in this sub (also looking at the language of most of his posts). EU regulations on this only hurt retail...

@biblicalbro We're forced by shitty eu regulations to buy VWCE instead of VT (I know there are ways to get us ETFs but they're too complicated for the average user). No one would buy UCITS ETFs otherwise, their expense ratios are usually 2x to 3x compared to the US counterpart.