u/easleyofnorth

Hello, I am currently renting and have a family and kids. No personal properties apart from a car. Projected net savings by the end of 2026 is around 100-110k euro. I am torn between buying a flat for about 200k with a mortgage for 20 years and invest my money in us/all world etfs and stocks. I would like to build a dividend paying portfolio but that requires quite a lot of money, which I don’t have. Currently own 20 VHYL and 10 vusa with IBKR. Annual income is approx 50-60k euro net. Sadly I can’t do both. Any advice is appreciated