Q. My partner and I had planned to go abroad in summer 2020 and work for between one and two years. Covid obviously put an end to that – but we are hoping we can travel early in 2022. We currently have combined savings of €80,000 and are each saving €1,000 per month. We are considering two options. The first is to buy a two-bed apartment, put down the minimum deposit required and take out a mortgage for the remaining balance. We’d then put what is left of our €80,000 into an investment fund and rent this property out. When we return to Ireland after travelling, we would continue to rent out the property – and use the investment fund money as a deposit for our own home. The second option is to invest our €80,000 savings into an investment fund and continue to save for the next two to four years. What should we do? Aisling, Co Kildare

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