I bought my starter home recently. Want to dump everything else i saved into vti (will be about 70k). Would buy a forever home in say 5-6 years. 5 year time horizon is pretty safe right?

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Yes I would be comfortable with a 5-year time horizon IF you’re flexible to wait longer if the market tanks and doesn’t recover in time for your timeline. Personally I keep my “maybe in 5 years” funds in more like 60 stocks / 40 bonds. Would have done better in 100% VTI over the past few years but nobody can predict the future.

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Good take, i looked at historical returns over the past 50 years. And 5 year rolling periods stats are as follows in terms of how often they rendered a positive return:

100 stock : 92.7%
80/20 split: 98.5%
60/40 split: 99.6%

Take that to 6 years you get:

100 stock: 99.8%
80/20: 100%
60/40: 100%

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Nothing is safe now a days but I believe FZROX is better than VTI with a 0% expense ratio, and crypto. Crypto has surpassed my stock portfolio by far.

I wouldn't do crypto if OPs goal is safety

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