23M Seeking Financial Advice
Hey guys, I’m 23, working since September, earning just over €53k gross. I’m currently living at home (dw I contribute a few hundred per month to the house), and I plan to move out in the next few months. I have my pension maxed and I currently have €12k in the rainy day fund. I do not have near-term plans to buy a house. I am now looking to start investing for the long term. I went to my bank to discuss this, but of course they only promote their own bank managed investment funds. It seems the safe and convenient choice, but I’m not a fan of the management fees and early exit fees.Would people strongly advise self-investing (in say DEGIRO S&Ps) over a bank-managed fund?
I don’t really have friends/family I can ask about this, so just looking for general perspectives. I understand this is ultimately my decision and I’m grateful to be in a position where I can invest at all.