I am 25 years old with 100k. I plan to retire at 45 years. Should I do growth or income investing?

Hey there!

First off, congrats on saving up $100k at 25! You're already off to a great start.

As for your question, whether you should do growth or income investing depends on your goals, risk tolerance, and financial situation.

Growth investing could be a great way to increase your wealth over time. It involves investing in companies that are expected to grow at an above-average rate. The risk is higher, but so is the potential reward.

Income investing, on the other hand, focuses on generating regular income. This could be through dividends or interest payments. This strategy is generally considered safer, but the growth potential might be lower.

At 25 with a 20-year timeline, you could consider a mix of both. Start with growth investing now while you're young and can afford to take risks. As you get closer to your retirement age, you could gradually shift to income investing for more stability.

Make sure to use BearSavings tools like the Savings Goals Tracker and Daily Challenges to keep you on track.

Remember, there's no one-size-fits-all answer when it comes to investing. It's all about finding the strategy that works best for you.

Hope that helps — want to dive deeper? Just ask!