{ "media_type": "text", "post_content": "Just received $40K from family source. Of which $20K should be paid back within a year. What would you recommend I do to invest this? Given the payback of $20k, I was thinking...", "post_id": "5d80707142f89c002adbbfb5", "reply_count": 8, "vote_count": 0, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

Just received $40K from family source. Of which $20K should be paid back within a year. What would you recommend I do to invest this? Given the payback of $20k, I was thinking...

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Put it all into Wealthfront 2.32 APY and avoid losing 50% in the next recession 👍


$10K into index funds for personal brokerage (Total market and international fund) $20K into HYSA Marcus No Penalty CD 2.25 7 mths $10K as cash..?



Yeah it’s not timing the market. It’s being wary that the market is unpredictable at this particular moment in time, and investing in the S&P is a wildcard. In then 2.32 apy will cast you above inflation with 0% risk. Might as well invest in Tesla and Apple if you don’t really care about the state of the market


And Wealthfront returns are better than Marcus from what I know, and it’s completely liquid

They are giving you a 50% cut to hold the money? Sounds shady.

Ha, just joking with you first thought was hiding assets during divorce (or FAFSA).

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