Most regret comes from using optimistic ETF assumptions for short timelines. Compare conservative scenarios first.
Open the ETF vs Savings CalculatorNo. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.
Many people prefer 5+ years, but it depends on volatility and your flexibility.
Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.
No. Treat results as estimates and use conservative assumptions.
Run a conservative savings scenario and a conservative ETF scenario, then compare.