- Money. A 10% return sounds good but on 10k? That comes to 1k max return. Look at this across the year and divide it by 12. Not sounding as good.
- Time. Is it worth the effort to gain the above?
- Inflation. Yes it has cooled down from 2023 but that is eroding any gains. To note it was 1.8% in Canada for December 2024.
We need an honest discussion around investing especially on a small scale.