What are your saving goals? Retirement? Housing? For when aee you saving? The answers to these questions will shape your strategy. As an example, if you are lo

What are your saving goals? Retirement? Housing? For when aee you saving? The answers to these questions will shape your strategy. As an example, if you are looking to buy a house within 2 years then I would not recommend investing in ETFs, as short term market volatility may cause you to initially lose value and delay your goal of buying a house. If your goal is retirement or buying a house in 5+ years then ETFs are a good idea, as the longer the time horizon the less short term volatility impacts you.