Hey there! I think it really depends! Stage of life, age etc plays a factor. If I was 29 and I'm looking at a house in 3 years time, it might not be realistic to expect my investment to boom sufficiently in that short span of time. In general, investments have to be held for a long term for compounding to work so it depends really on their time horizon. Investments, if done well and smart, can bear fruit over the long term. As certain as the reality of retirement is, so are things like housing and wedding. However depending on the time horizon and age of the person at question, not everyone have the luxury of time to grow their investment to fully meet big ticketed needs eg. housing etc! (of course, all subjective! Depends on income, capacity to invest etc) For people in ther mid or late 20s, I normally encourage them to start saving intensely and cut down on unnecessary expenses. A high yield savings account, an endowment that allows liquidity is a great way to start :) Probably other strategies out there, will love to hear some too! Financial planning is an integral part of life. You can reach me here to find out more.