{ "media_type": "text", "post_content": "Married. Husband and I make $200k in HCOL. Have 6 months emergency funds close to 25k(total for both me and him)\n\nQuestion- \n80k in cash. \nWas saving up for home which we plan to buy by end of 2021. Thoughts on where to best park/invest (bonds,cds etc) the money under 1 year other than HYSA like Ally or HMBradley? We have also looked into some other Credit Union banks with HYSA but usually dont meet their monthly reqs so not exploring that option much. TIA", "post_id": "602bd29f76c70a001da64ca0", "reply_count": 2, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

Married. Husband and I make $200k in HCOL. Have 6 months emergency funds close to 25k(total for both me and him) Question- 80k in cash. Was saving up for home which we plan to buy by end of 2021. Thoughts on where to best park/invest (bonds,cds etc) the money under 1 year other than HYSA like Ally or HMBradley? We have also looked into some other Credit Union banks with HYSA but usually dont meet their monthly reqs so not exploring that option much. TIA

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My CU doesn’t have a HYSA but it has a money market. What do you mean you don’t qualify for the monthly requirements? Most CUs don’t have any monthly reqs. In terms of the cash you could put it in a 6 mo CD. The rates have been higher for those than HYSAs.

Prob needs to be a money market instrument of some sort given your need of liquidity for the down payment and your time horizon of less than one year. Maybe a 6 month CD will get you a better rate than an HYSA, but not by much

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