I would guess that a lot of the people asking advice here on investing 300K, have sold a house and are not buying at the moment or have come into an inheritence. My reason for thinking this, is that if you have amassed 300K from years of investments, then you probably already have a clear investment strategy and would not need to ask for advice on a public forum.
Two people I know:
Person A = mid 30s, single, no car or mortgage = 185k in savings
Person B = mid 60s, retired = 200-250k in savings
Another reason is 100% mortgages so you didn't have to use all your savings to buy.
Somehow I doubt very much that people who got 100% mortgages had any savings at all.
I'm sure many people who had savings chose not to use them all up on a deposit when buying a house.
It's more a function of age, younger people tend to have less savings anyway so people in their 20s with mortgages are unlikely to have much saved but older people with mortgages on investment properties are likely to have savings alsoAnyone I know who got 100% mortgage had no savings at all. They were young and eager to get buying rather than wait and save.
Two people I know:
Person A = mid 30s, single, no car or mortgage = 185k in savings
65-70k = redundancy
75k = own savings over last 10 years
40k = small inheritance, gifts from parents
I suppose its 7.5k a year is €650 a month or €144 a week, I could do it for a bit but not sure about every week for 10 years!! as I said impressive.
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