Hello everyone, I'm not entirely sure if this would be the right subforum for my post as I have a lot of questions for general finances but also some more specific questions about Investments so please let me know if I need to divide it up or anything. I've been reading up on this forum; learned a lot over the past few weeks, but I feel like every time I learn something new; 3 more questions pop up. Let me get started on my financial situation, and I hope someone somewhere will spot something off. 23 Years Old, Single, Employed for 2 years, 5 months €37,100 annual salary €2,400~ monthly take home No loans No credit card Defined Contribution Pension with employer; matched at 5.0% Car insurance premium at €1,400 annual + motor tax of €199 + monthly fuel costs of around €40-80 Renting at €450 per month Bills at around €50-150 every two months I have no health/life insurance, and no children. €10-20k usually in a current account, occassionally transferring to a Credit Union which now has €25k I idiotically thought I could just set my money in the Credit Union and forget it; gain nice interest but for the two years I've spent with the Credit Union, I got just about €60. I am generally a saver, occasionally splurging on things like a PC I personally built but I don't really have a solid goal to save for. However, seeing myself get nothing from interest annoyed me and I want to put the money I have to work and grow it so it was time to study up. At first, I looked at the Deposits forum and the KBC Regular Saver which looked good at first so I inquired about it; and I was discouraged from it because it wouldn't be suitable for what I really wanted- high growth. It would take more than 2 years to really make the most out of the €40,000 @ 3.00% from the savings and it was variable. The next step then, was looking at Investments. Being completely new to the game, I'd been reading through some literature and I think a diversified index may be exactly what I'm looking for but I'm not sure about specifics yet; and maybe things work differently in Ireland. So a few questions: - Given my current situation and just a desire for growth; can you make any suggestions that I may have missed? I feel like I may currently have tunnel vision on Investments. - From what I've read; it looks like a passive index fund or ETF may be for me for the low overall costs of maintaining it, if done through lump sums. I'm not sure if I'd really go for lump sum rather than monthly payments though. It seems like monthly payments would be easier psychologically; and wanting a set-and-forget setup means I could keep putting money in every month regardless of fluctuations, fully accepting of the fact that I'd never be able to perfectly time the market - Is investment into an index / ETF even the right path at all? I have considered buying a house; and my parents have agreed that if I go for buying a house, that they would support me and contribute half of the value. The houses we're interested in are in the €200-280k range and I have gotten mortgage approval of up to €133k. I'm just not sure if I should try growing my money through investments first or if I should take the plunge with a mortgage and hope the house's value goes up. The big difference I can see between the two is that a mortgage puts me in debt but this may be too simplistic considering my parents' support may offset a lot of downsides. -- Sorry if my post is a bit rambling and my goals not very clear. I really just want to gain as much money as possible over time while not letting the pursuit of it eat up all of my sanity.