{ "media_type": "text", "post_content": "28, $93k/yr. maxing out 401k and roth, but no other investments. want to buy property in 5 yrs. have $7k, and saving ~$1k/mo for a down payment. HYSA or should i consider investing, too? no debt.", "post_id": "5e262bf018b1ea002114bcf6", "reply_count": 13, "vote_count": 0, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

28, $93k/yr. maxing out 401k and roth, but no other investments. want to buy property in 5 yrs. have $7k, and saving ~$1k/mo for a down payment. HYSA or should i consider investing, too? no debt.

Posting as :
works at
You are currently posting as works at

Emergency fund in HYSA, invest the rest.


HYSA and CDs were 2.4 a year ago and 1.7 now, far more likely to go down than up in the next year or two and he is talking 5 year range. I don't mean his entire emergency fund i mean a few thousand like I said if he is concerned about risk.

CapOne has 2% 1yr CDs, which HYSA account do you think will be 2% a year from now? HSBC is there now but hasn't cut yet like all their competitors. No one is going up.


You are doing great! Congratulations :)


Could only hear that in Dave’s voice.

thanks all! honestly, don’t know too much about investing... vanguard 500 etf a good place to start? i may just go the route of HYSAs/CDs/treasury issues


Yes, even a single index fund like that is sufficient. If you do just things that offer 1-2% your money isn't working for you. It likely isn't even keeping up with inflation. Id recommend that if you were a year away from buying a house but not 5. You can do a mix if you aren't comfortable investing the full amount in excess of your EF in index funds.


As long as you’re at least 5 years out you should be able to weather any stock market storm(s).

The sooner you’re in the market the better. Compounding interest is your friend.

coming back to this... even if i gain significantly by investing in 100% VOO (or something similar) over the course of 5 years, won’t the taxes set me back when i finally withdraw the money? feel like there’s still a strong case for just dumping it all into an HYSA, unless i’m completely missing something...

You are only taxed on the gain and likely at lower ltcg rate.

Better to earn 8% and pay 1.6% back in fed taxes and end up with 6.4% than to earn 2% and come out with as little as 1.26% after taxes.

Related Posts

Any thoughts about Philips Healthcare? Thinking of accepting an offer!


Additional Posts

Back to the office after an amazing vacation. Ugh....


Best belts in $80-$125 range? Looking for a dark brown one.


Guys any suggestions on good workout plans (not P90X)? I've lost 15 lbs changing my diet and going to the gym 4 days a week but haven't really been following any plan. Cont.


It's below 50 degrees and my client just blasted the AC. It's going to be a long day 😰


Just watching news about isis effectively being able to test bombs via laptops/ipads on flights. I don't believe in living scared, but how does that make all you travelers feel? :-/


Sigh I suck at this. Typo in a deck resulted in over 500k unaccounted revenue that's not suppose to be there and presented to the c-level folks. #gonnabefired.


What's the shortest amount of time to stay at a job without making it look like I jump ship often?


Has anyone been close to 75 night platinum and talked your way into it? If so, how close? Debating if it's worth staying at SPG if there are better hotels since I won't get to 75.


Made a green choice at hotel last night. In the morning, the door hanger was slipped under the door, but no voucher. Housekeeping also cleaned the room. How many points for this blatant disrespect????


How much is total comp for a normal MD nowadays?


Thoughts on buying shirts from TM Lewin?

Has anyone tried Banana Republic's machine washable suits? How do they come out after washing them? Are they wrinkle-prone?


Senior business analyst opp at Wayfair in Boston. I hear they’re growing like crazy. Can anyone shed light on if this is worth pursuing? Comp, culture, actual work, etc?


How do you like your life post ACN?


How is work life balance at Deloitte in S&O in NY vs other big 4?


Wife recently gave birth and she's on short-term disability through today. FMLA would start Monday, but she's quitting middle of next week. Does it even make sense to sign up? (cont'd)


What is an MD (accenture) equivalent role at a FAANG company, what title should I look for?


Has anyone recently traveled to US on a B1/B2 visa?


The major cause of rape is this mindset that blames the victim

Post Photo

How are all the Texas people doing? Can we get an update? Are you actually still doing busy season? Is your company providing any assistance? What is life like for you?


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the Fishbowl app

For account settings, visit Fishbowl on Desktop Browser or