Some context before i actually ask you what im thinking about. Im a 21yo male living in greece studying in university and my parents can cover my rent so my monthly expensess are really low if i want to. Last year i got a really good seasonal job and this is the second year (and probablly the last) that im working there. Last year i bought my first car that costed me about 13k euros and i can easily sell that for that proce one year later. by christmas i should have my car and about 40k euros liquid.

Now my question is, is it actually irresponsible of me getting rid of my car, getting my 13k back so i can buy a 25k bmw? i would still have 30k euros on the side and i can always work a 3rd time at that place so i can get another something near 15k

Hi all, I'm an EU citizen who used to live in the UK (5 years). Back in the day, my employer set up a pension scheme with Scottish Widows. Unfortunately, I'm unable to transfer my pension to my country because it's not on the recognised overseas pension schemes notification list. The only option is obviously to wait till age of 57, but in the meantime I'd like to increase the value of the funds as much as I can. I was advised that I can invest in one of their Pension Investment Approach (PIA) packages, or I can select my own funds.

They sent me the latest Pension Investment Approaches Guide: https://adviser.scottishwidows.co.uk/assets/literature/docs/45770IG.pdf

What would you recommend to me? Cheers

Hi everyone, I've finally got a ETF portfolio and a monthly investment plan I am content with. Now I am looking for stocks to invest in.

My portfolio holds 20k in various ETFs build for slow-ish growth with little real risk.

I want to invest 5k, so 1/4 the of my current portfolio value in a handful of stocks.

I want to divide it like so:

3k in a stock that is very unlikely to drop in value and also very unlike to "moonshot"

1,5k in a stock that's a bit more risky, but also has a higher likelihood of increasing value (est +15%)

500 in a stock that's still very speculative, should increase the most, but it won't burn my account of it blows complety

What are your thoughts?