r/ETFs • u/Equal-Status-5009 • 1d ago

Young investor: does it make sense to start now after the market dip?

Hey everyone! I’m in my early 20s and recently started learning about investing. I currently have around $5,000 that I don’t need anytime soon and would like to invest with a long-term horizon (10–20+ years).

I’ve been reading, watching videos, and following discussions to better understand how to approach things.

Given the recent market dip, I was wondering if it might actually be a good opportunity to start now, even though there could be more downside in the short term. Since I have time on my side, my plan is to invest the full €5,000 up front, and then keep adding gradually over time whenever I can, basically a kind of DCA (dollar-cost averaging).

Because the starting amount isn’t huge, I think it makes more sense to keep it simple and go all in on a single, highly diversified ETF rather than splitting across many. I’m currently leaning toward something like VWCE, even though I know it’s heavily exposed to the US market. Still, for a passive, long-term approach, it seems like a solid option.

Any advice is welcome, even if it’s recommending individual stocks or other ETFs—happy to hear any suggestions or alternatives!

Would love to hear your thoughts or any suggestions.

Thanks in advance!

10 Upvotes

82% Upvoted

11 comments sorted by

8

u/crobat3 1d ago

The best time to start was yesterday

The second best time to start is now

1

u/SokkaHaikuBot 1d ago

Sokka-Haiku by crobat3:

The best time to start

Was yesterday The second

Best time to start is now

Remember that one time Sokka accidentally used an extra syllable in that Haiku Battle in Ba Sing Se? That was a Sokka Haiku and you just made one.

1

u/Lanky-Dealer4038 1d ago

Buy, buy, buy!

Always a good time to start long term investing.

1

u/WMF1979 1d ago

That is one big opportunity, but I see space for more drawdowns, so… go slow… Star with 1k next week… the another 1k in the week after… unless, in the same week, the market goes down more than 8% in one day…

Good luck

3

u/Sea_Function9333 1d ago

Yes, also remember they saying is "Time in the market beats timing the market"

2

u/ASOTBABY 1d ago

We might be buying the dip for a few weeks .... or years.

1

u/hillabilla 1d ago

Put it in very slowly in small amounts. The trade war has only just begun and might keep crashing.

2

u/Wicle 1d ago

Yes please, buy my bags

1

u/mikmaster86 1d ago

Be certain you don't need that money for 10 years. You could still go from $5k to $3k by the fall if prices go up and profits go down.

Or Trump could change his tune "after the best wins" and the market could slow rebound....

I've bought yesterday when it was 3% down and lost 2% an hour later. But it's in there for 20 years...

1

u/DOA-USMC-0331 1d ago

Wait it's going to go down more

1

u/Forsaken_Conflict_96 1d ago

I say YES! Great starting time, i think. But don’t put all in one place. I suggest $1000 in 5 different etf or stock combinations. So many choices…have fun.