> I'm based in Europe if that matters. You'll have to do research into your particular retirement programs and what tax advantages they have, but other than th

> I'm based in Europe if that matters. You'll have to do research into your particular retirement programs and what tax advantages they have, but other than that it should be roughly the same as anyone else's. > What options do I have? Hedge funds spend billions of dollars and hire teams of math PhDs trying to beat the market. You are a single software developer. You are not going to do better than average. Fortunately, there's an extremely easy and low-cost way to guarantee average performance: broad-market index funds. These will charge a ludicrously low amount of overhead (something like .04% annually) in order to buy basically everything the market as a whole buys in the same ratios as the market buys. > I also perfectly understand that safe means lower return and I'm perfectly fine with that, since I am going into this for a long term. IMO the correct approach for long-term investing is to set aside money you are perfectly okay with never seeing again, and literally not checking how the market is performing at all, while maximizing return regardless of risk. Long-term underperformance is actually a bigger risk over 30+ years than any number of market crashes, at least while you're underneath the Kelly Criterion (and even a 100% equities portfolio is comfortably below this). > Also, any useful resources regarding investment would be helpful (YouTube channels, books, etc.). https://bogleheads.org/ https://bogleheads.org/