I'm single and don't plan on any big investments for at least 2-4. Got $20k+ sitting in my credit union savings acct that I'd like to put elsewhere. Advisable to put it in a mutual fund?

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Vanguard 500 index fund...Buffett highly recommends it

If you’re planning on using that for a down payment on a house in the next 2-4 years, I would leave it in a HYSA. The market could decline and not quite recover in that timeframe, tying up that money and preventing you from using it toward a down payment (unless you’re okay with taking that loss as a hit and cashing out even if the value is down).

Genuinely curious, why do you think the rates are likely to fall? The Fed isn’t lowering rates this quarter and seems to be holding firm in their outlook. Do you know something else that leads you to that conclusion?

Go all in for MSFT

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