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This market got me super down 😞
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When do you need it as a down payment ? If within a few months to a year, leave it in a interest yielding saving account .. Longer than two years, dollar cost average into the S&P 500 index monthly i.e. invest the same amount every month until you exhaust the funds. Goodluck
Buy 1 bitcoin
Slowly start adding cash each week to an index fund tracking against sp500. If there is a decent market drop then dump a bunch in.
CD or a HYSA. I recommend Ally for both.