Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
This is your opportunity to ask questions. No question too simple or too silly.
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Notes -
If I were to attempt to "beat the market", it would likely take the form of buying tech stocks.* And I wouldn't put more in than I could afford to lose! I doubt I'm going to be forced to liquidate anytime soon, so I would have little issue with holding a dip.
*You can't really price-in a technological singularity, and unless everything goes sideways, I expect broad slices of the market to soar and not just MANGA.
On the topic of renting or buying, the only real reason I'd buy is if I was convinced I wanted to tie myself down geographically (and had a family), especially since you point out that re-investing the difference between rent and home loans would obviate most of the difference. It's too early to make that call, and I prefer my money relatively liquid.
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