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If you want to buy a property in 12 -16 months I would not invest in the stock market. I would keep it safe. I bonds, t bills or CDs
Don't invest money you need in 12-16 months.
Seek out HYSA bonuses and other safe choices like ibonds, tbills, and CDs.
Non US employee so don’t have a 401(k)/Roth.
Can’t but I bones as non- US based. Will have to check up on t bills although those should be possible. Any particular reason you’re advising against the stock market even though it has dropped so much?
Because it can drop a lot more. Depends on how confident you want to be that the money will be there in a year