1Yr
First of all, I respect you for thinking about retirement at the age of 18, but you should not invest like a retiree right now. The distributors are return killers in the long run and only for people who need passive income, not for savers. If you want to get the most out of retirement in 45 years, you can take all the risk premiums that go. The highest are in SmallCap Growth and in SmallCap EM. Your huge advantage is time. Use it!
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@Epi thanks for the advice. Would it be smarter to cover them with an etf or pick out individual stocks?
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1Yr
@user541bd08ad7c94f17 The risk premium comes from the fact that out of 100 small caps, 98 are eliminated over time and 2 become really big. If you have the confidence to find those 2, go for it. But that's what 10000 highly qualified fund managers are trying to do as well, should be a gamble. So rather ETFs.
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