r/investing
Sitting on $250K in HYSA. Nervous about putting in the market right now.
43yo with $250K in 3.5% HYSA asks whether to keep cash or gradually invest in mutual funds due to market nervousness.
- Long-term investing in mutual funds and maxing out Roth accounts are proven strategies for wealth building.
- Current market conditions induce nervousness, making high-yield savings accounts an attractive safe haven.
43M. Married. 1 newborn. I sold my house in U.S. early this year and decided to commit to my job overseas longer term. I put the equity from the house, now grown to \~ $250 in a HYSA at around 3.5% APY. The rest of my finances are as follows:
$110K Annual Salary
$236K 401K
$90K Rollover IRA
$0 Roth (New)
$256 Investment Acc. Various Mutual Funds
$150K Apt Overseas almost paid off with no interest on monthly installments (Muslim Country)
Will definitely max out on a new Roth, but I’m torn whether to keep it all in HYSA until later point or incrementally dump about $150 into my investment account across various mutual funds and keep $100 in HYSA. Just not sure what’s the right move here. Thoughts ?
Market is at all time highs 75% of the time.
DCA
Scared money don’t make money
You should at least put money into sgov while you figure out the market
Lowkey don’t do anything for a few weeks either way. I’m 99% a lump sum guy if you have a long time to invest but this market and including all the weird IPO’s has me sketched.
War is resuming as well or at least extending
You mean they shouldn't put it all into spacex IPO this week?
🤣 full port ahead!
just put a little bit at a time. Time in market > timing the market
Good one man! You got me bad ouch
I heard you should buy a $250k worth of SPCE. Going to the moon apparently
🤣
Meet Bob
https://m.youtube.com/watch?v=pFgPNVytlwA
Thank you for sharing this.
Well, there is a little bit of a dip after the bloodbath over the last 3-4 days. It would really suck if anyone had bought into the market a week ago.
Short term treasuries. Stable value and 4 percent interest.
cuz he'd rather brag about his little pile sitting in a corner.
So what about the $300k across your retirement accounts? If you're nervous, are you going to liquidate all your positions and sit on cash? If you're staying invested, then why aren't you also invested with this $250k?
I guess because the retirement was small and incremental contributions over time. Never made this type of lump into the market before. I’m a small timer.
Yeah... you need a financial advisor.
Put down the computer and call one ASAP.
You put the 250K in UTF 7% yield, UTG 6.4%, and EMO 9%. UTF and UTG are both 20 years old and have never reduced the dividend. EMO invest IN Master limited partnerships which operate oil and gas pipelines and refineries. Low cost great yields. The also produce qualified dividends so you don't pay much in taxes on the income.
Stick with your plan and invest the 150 incrementally. Do it weekly or monthly but increase whenever the market is down on your designated timeframe.
"The DoW Jones loves a good war". I read it somewhere, can't remember where but I guess it's because of government spending.
My bro told me after I said "everything is expensive" that growth always looks expensive.
If you don't see yourself needing this money for many, many years, you are leaving a lot of money on the table.
This is so fucking weird are you okay
Lmao you fruitcakes always worried about micro trends, chatter, and can’t do any research yet wanna voice opinions like its valid
Scared money dont make money
Shits weird. Im gonna call out BS every time.
They have a solid job and solid investments yet acting helpless and confused 😂