{ "media_type": "text", "post_content": "I have about $150K sitting in Barclay's savings for a few years now. Plan has been to use the money as down payment for a house. Bur due to cross country move, COVID, etc. we haven't been able to buy the house yet. I want to keep the fund liquid since we aim on buying a house this year. What are some of my options to keep the money as liquid as possible while getting a good interest?", "post_id": "61e87d3fd850df002884410b", "reply_count": 14, "vote_count": 4, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

I have about $150K sitting in Barclay's savings for a few years now. Plan has been to use the money as down payment for a house. Bur due to cross country move, COVID, etc. we haven't been able to buy the house yet. I want to keep the fund liquid since we aim on buying a house this year. What are some of my options to keep the money as liquid as possible while getting a good interest?

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There is no combination of safe, liquid, and good interest. You may just need to leave it in a HYSA like Marcus or Ally. I can give you a referral for the former if you want (bump up to 1% for 3 months). If you can wait 12 months, you and your spouse can each put 10k into ibonds earning 7.12%. It won't be liquid for a year though, and the rest would need to go in a HYSA. I would definitely not invest this money into the market since you want to keep it safe for the near future.

likehelpful

Read the other comment chain for more details. You can only buy them on the treasury direct website.

I would at least invest in Treasury Bonds. The ROI these days is ~ 7%

helpfullike

Found it for you actually

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