Hi everyone. So I am 22 with around 88k (cad) savings. This is amazing and I'm very grateful about this. I would say two thirds of it was my own savings and the last third is money my parents and grandparents have put to the side for me to pay university.
This is a great position, but the issue is that because of the 2020 crash in the market, my parents were worried and put 85k of this money in my account in low 3-4% yield accounts with no losses garanteed. I was too young to even think about my finances. They are stuck in these until 2027-2028 and some even till 2029. Luckily, there is an option for me to unlock all of these by 2028 at the very most.
Even if I'm in a good position, I am worried that I royaly screwed up. Will me missing these 2-3 years of 10% average returns in the makets cost me a lot. What should I do in this situation while waiting and should I feel really bad?