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What do you do if the market tanks and you don’t have enough for a downpayment next year?
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Since 2014…
Rising Star
EY1 gave you the answer to your question.
Pro
There are HYSAs that offer better
Yotta gets 1-2% https://join.withyotta.com/BOBBIE8
Porte and HMBradley get 3% if you have direct deposits
C1 yes please!!
Rising Star
Look at FBIOX. I invested my first 3k into this at the peak (July 2015) after massive multi year run ups. Everywhere I looked said this was the fund to buy. It took me until Trump's post presidency run up to break even and sell. Had I put it into VTI or anything, I could've been so much better off. I had contemplated apple or amazon too at this point, which have both since 5-7xed.
Anyway either put it into VTI or just keep the house money very safe.
Putting it in VTI is no better than OPs suggestion.
Rising Star
Because PSLDX has done even better