HYSA

Wise_Slate8295

Totally normal. I've got my Roth IRA with Fidelity for the low-cost index funds, a HYSA at one bank for the higher rate, and my regular brokerage with Schwab. Keeps things diversified and I just use a spreadsheet to track it all.

trickyvinny

You are in my exact position, except I stopped funneling money into my brokerage and am funneling it to my HYSA (4%). I'm at 165 there, and I've lost about 25k out of my brokerage. I was super smart and sold a lot to move it to HYSA, but super dumb to buy MSFT LEAPS with a decent chunk of what is remaining. Would not recommend...

GaylrdFocker

How often do you expect to log into every site? Roth Ira you can log in once a year to contribute or set up automatic contributions. The 401K you don't need to log into except to set it up. etc with other accounts. Also, you don't have a choice with your 401K, it's controlled by your employer. If it's with Fidelity, Schwab, or Vanguard then it's perfectly fine to open an IRA with them. Fidelity also has a CMA which can be used as a HYSA, Schwab and Vanguard have something similar.

_galaga_

Pretty much with one exception which is I use a money market fund instead of a HYSA and those funds sit in a brokerage (Vanguard, Fidelity, Schwab, etc.). A separate HYSA is unnecessary, imo, since the rates are typically close to a money market and it keeps things simpler. Normal, tho, in my experience to have a traditional bank acct, a brokerage (with multiple accounts for different purposes), and employer 401k at a separate institution.

SirGlass

I mean your 401k is pretty much controlled by your employer so you have no control over that IRA yea you can choose any company HYSA , personally I do not have a savings account I just use a brokerage and invest in money market funds or ETFs holding ultra short term treasuries . With vangaurd if you just open a brokerage account and transfer money int, the money will be invested into VMFXX what is a pretty good fund and should pay comparable rates to a HYSA. So yea its normal to have a few different accounts. I like to sort of simplify what is why outside of my 401k controlled by my employer I basically have everything at schwab , checking , brokerage , Roth IRA .

Frequent-Concept1882

You can't make that statement. Just because there's some HYSA that beat Spaxx, does not mean that HYSA beat Spaxx. That's like saying bonds beat stocks after you chose the wrong stock right before it crashed. Bonds can beat stocks and stocks can beat bonds. It all depends on what you choose within those classifications.

TheMallard1

I changed my mind and sold my spy lotto call, my HYSA approves

Illustrious-Fan8268

A HYSA gives better returns than SPAXX

Jotacon8

you’re already in an emergency right now if you’re 20 years old and considering liquidating any sort of investment account. your emergency savings aren’t high enough unless you only spend about $500 per month for all your expenses. You want 3-6 months of your monthly expenses saved up as an emergency fund. That should sit untouched in a HYSA and you then have OTHER money you use for typical monthly spending on top of that. having your savings be the only cash on hand that you have means constantly dipping into and replenishing it for normal expenses. you don’t want that. you want that emergency fund to sit on the sidelines, earning some interest on the side, while you go on about your day knowing it’s there when you need it guaranteed. plus, considering you’re going on a trip that you bought flights for already, I’m willing to bet after hotel and everything else there you’ll blow through your savings pretty quickly. i would just not finish contributing for last years Roth, and honestly, stop contributing to a taxable brokerage at all. i would liquidate that brokerage (yeah you’ll get hit with short term capital gains tax) but you have a liquid cash issue right now. so liquidate taxable brokerage, spend as LITTLE as possible for your trips so you don’t blow through that AND your savings and be left with nothing liquid. don’t contribute to the Roth anymore (last year for sure, and even this years limit) until you have a bigger savings nest egg that you won’t dip into constantly. then make sure to spend less than you make, and save up for trips or other big purchases on the side, separate from the emergency fund AND your monthly spending money for bills, groceries, etc. you need to get to a point where you don’t need to dip into savings or liquidate things and just have the cash available. once you get that sorted out, make sure you contribute matches to your 401k if you have one and get company matches, THEN start contributing to Roth again if you can. you can take some time away from the Roth if you’re only 20. Being properly liquid is more important in the short term right now because that affects your ability to save for the long term.

CD274

Is it because they will advise your kids to put their money mostly into HYSA

bkkmatt

Just moved $10K from HYSA to brokerage. Pushing it all to VOO and VXUS. Eating another delicious TACO!

wynveen

Cool. Sell your funds and hoard that cash in a HYSA bro/bruh.

bank_truth_cs

HYSA rates vary a lot depending on the bank so it's worth shopping around before you commit. Our website has a full list of CDs and HYSAs so you can compare what's actually competitive right now. If you prioritize liquidity, stagger your CDs so you're not locking everything up at once. KO and SCHD will pay dividends but don't expect them to beat a good HYSA or CD rate over just 6 to 12 months.

maydayvoter11

I think a good plan would be to first have a large emergency fund, like 1 years' worth of living expenses, in something very safe, like a HYSA. Second, look for ways to maximize contributions to retirement plans. I would explore whether your TSP contributions and your wife's 401(k) (I assume her work offers one?) can be made as Roth contributions. I know nothing about TSP. But I do know that in a 401(k) plan, the employee can elect for the employee's contributions to be Roth, and for the employer contributions to be Roth -- IF the plan allows for it. IIRC, she would end up paying income tax on the employer's Roth contributions. Next, look and see if her employer's 401(k) plan allows for voluntary after-tax contributions. That is a way to put more money into the 401(k) above the employee and employer contributions, up to the maximum annual contribution limit. Then, see if the plan allows in-plan conversions so that she could convert those contributions to the Roth account. Like I said, I don't know anything about TSP plans, but you may want to ask the same questions about your TSP plan. After that, it may be wise to not lock up all your investments inside the IRAs, 401(k), and TSP. I'd consider putting some into investments where your principal value doesn't fluctuate much but you get regular income in the 6-10% range. Ask your financial advisor about closed-end funds that specialize in income, as well as investments based on REITs.

highastronaut

Then you’re not ready to invest and not the time. Put it in a HYSA now like Marcus. Don’t invest for a year at 18 in this market lol

Cuddlebug2020

HYSA, CDs, Bonds, I spread it around a bit

mrwhitewalker

I of course decided to open a brokerage instead of having an HYSA just a month ago.

OddDescription4523

I think the writing's on the wall that we're in for some real pain in the coming months. I'll make the obligatory comment about not having a working crystal ball, but there's a difference between "I can tell that today's drop is the bottom of the whole thing!" and "there are strong indicators of bad times in the next 6 months or so". So, since Jan 1, I've liquidated basically all of my long-term holdings while leaving most of my short-term holdings in place (except a few I wanted to loss-harvest on). Just with the drop that's already happened, I've probably saved myself $25k in (paper) loss. I plan to buy back in sometime during the pain - definitely not all at once (that *would* be trying to time the market), but when things have gone down a good bit (accepting that I don't know if they'll go down even more or by how much), I'll start regularly buying a few thousand dollars of things at a time. Some of it will be the companies I had before, because I think they're long-term good (TSM at 120? Yes, please), and others will be different because this'll be a good time to refocus my portfolio on some different sectors, e.g. coming back in I want more industrials and financials and less consumer cyclicals. So yeah, I was about 95% invested, and since Jan 1 I've pulled that back to about 65% invested, with all that money pulled out sitting in a HYSA as dry powder. I do this fully accepting that I *may* end up hating myself in 12 months if we have a bull rally instead of a crash or recession, but \*shrug\*. Buy, sell, hold - every option is a risk, just the nature of the beast.

CraftZ49

You should have a solid 6 month emergency fund stored in a HYSA, your checking account should cover your daily expenses with a little extra room, enough contributions from your paycheck to max your 401k, then everything else into personal investments, ideally into diversified index funds.

BumbleSlob

Relationship tips: unless your partner is actively seeking advice from you, do not offer it. If you do offer it, make sure you are being clear about the risks and time horizons she would need to accept. Finally, let the decision be hers. It’s not your money and if you are responsible for losing it, goodbye relationship.  And in any event she should just put money into a HYSA as it earns 1% more and more liquid. She clearly values a conservative investment strategy and $10k is not a lot of money suggesting she probably doesn’t have a ton and does not want to risk it in the market

MaxwellSmart07

I never said I could. All I said was the time the market is not making money, it’s a loss of time and time in the market is what makes money. Imagine the bank saying they’ve suspended interest on your HYSA for 4 months. Worse, more akin to a market downturn, they are taking back tje last four months of interest paid.

lovo17

That’s not really a fuck up, they should all recover. First thing you do is set 6-12 months of living expense money aside for emergencies, leave that in an HYSA. After that, just put it all into VTI/VT/VOO.

ChaseballBat

From today, to a year ago up 50% because of Liberation Day puts. From when I went all cash into HYSA at the end of May to today -3.41% From when I stopped trying to repeat the liberation day puts against Trump's TACOing (and throwing money down the drain because of it) at the end of July till today up 1%

roughdraft29

So if I'm 15 years away from retirement, but doing a 90% FXAIX, 10% HYSA for the past 5 years (I know it's nothing fancy, but its been suiting my needs) do I need to rethink that strategy until the SpaceX IPO situation settles?

Purple-One8866

If the purpose of the HYSA was just to have cash around to buy equities during a crash, you'd be correct.

aspenextreme03

Yeah true that makes sense. I have a good bit of it from way back and mostly do SCHD or even SGOV if I just want the yield w/o paying state taxes vs HYSA now but will look into it more.

Ahamadrayasbaboon

If you need the entire principle to be available within a week, SGOV or other T-bill ETF. Everything else is subject to fluctuations. I wouldn't concern myself too much with tax because you won't make enough money to notice in your tax bill. It's more tax efficient than a HYSA. If you don't, broad market ETFs that don't select their basket of stocks to optimize for dividends outperform dividend ETFs in total returns, and are more tax efficient on a year or longer timeline. This is because even though dividends are often taxed at long-term capital gains rates, a large percentage of the dividends in most dividend ETFs get short-term tax treatment. The difference doesn't matter nearly as much as the fact most of them underperform the market, though. You'll get a 1099 for any of this, which is kinda like a W2, but for investments.

Ill-Panic-4533

This shouldn’t be tough but here is a simple breakdown. I have 100k 60k in equities 40k in HYSA Market drops 40% Now I have 36k in equities so I put 20k in equities from my HYSA since I know historically that’s a huge drop. No I have 56k in equities and 20k in HYSA Two years later the market recovers and adds 10% I now have 86k in equities and 21k due to 3% from HYSA. I now have 107k

poiuytrdx

Way ahead of you. I have my HYSA, and maybe I'll dabble in bonds

Historical_Low4458

People should not have their entire life savings in the stock market. Their emergency funds, of probably about a year's worth of expenses, should remain in a liquid HYSA and not at the mercy of volatile speculators.

SerMumble

https://finviz.com/map.ashx Look for the regular green square stocks and investigate etfs that hold them. Energy is the main one that moves up during an energy war but don't buy at all time highs because it will crash hard to news of peace. The last moment to move money into money markets and HYSA was last month and the time to rotate out of mag7 was 6 months ago. You've missed the international rush, the small cap rocket, and a lot of other moves. If you're locked in, you're in until the end of the bounce.

FINRAdude766

No shame in it. As long as you learned your lesson.  Anything on this sub should only be applied to someones "fun" account. Life savings go in HYSA, VOO-VTI, and a bond ETF. 

RollofDuctTape

How could you have predicted any of this bullshit. That’s a Bogleheads type bet. You virtually put money into a HYSA.

Smartie2639

Where can you get HYSA at 4-5% ???  The current rate is less than 4%….

IndependentTrouble62

So buy a used car and drive it till the annual maintenance becomes greater than a monthly car payment. While its paid off set aside what would be your car payment in a HYSA. When the time comes if you buy a reliable used car brand like toyota honda. You will have a massive portion of the next used one already saved. Outright buy a new car is idiotic from a finacial perspective anyways. Let someone else eat the initial depreciation.

luvz

??? Don't sell at lows and you haven't lost anything? Like why is that hard to reconcile? You want big number green every day? Ok so open a HYSA and lose to interest, but number will be green every day. Will that feel better to you?

but_i_dont_reddit

Yes - how do you think brokerages offer HYSA? Just like stocks, you need to diversify across banks - if all the banks fail, money will be worthless. Why are you posting here if you haven't done any research? Just trolling?

brute-forced

Stop HYSA contributions entirely until you have $300K in your Brokerage Account invested in broad market index funds. After that, use the gains of anything over $300K to fund your HYSA annually. Then use the interest from your HYSA to pay your mortgage

BobtheChemist

Having some fixed income is good, proportional to your age and how conservative you are. But bonds, bond etfs, HYSA, and preferred stocks are all ways to do that, along with other tools. Try to create a financial plan and that will guide you as to what is best for you.

kveggie1

Do not put money in a HYSA. Invest more in 401k at work. If not available, open a brokerage account and buy stock index funds. (check out [moneyguy.com](http://moneyguy.com); Brian and Bo....... they have a FOO approach, Learn more there..... Most advice here you should take with a grain of salt.

ambientocclusion

If you get married, get a prenup! Seriously. Put more into your index ETFs than your HYSA. In other words, be more aggressive while you’re young.

meandjarvis

HYSA at 4-5% APY is the simplest move, fully liquid, no lockup, earns more than most CDs. T-bills are similar yield and state-tax exempt if that matters to you. That said, if this is 10+ year money, the "wider bullshit" is historically when stocks give the best entry points. Consider DCA'ing a portion into a broad index fund alongside the fixed income.

Natural_Note5282

SGOV isn’t 100% treasuries and your brokerage likely won’t give a separate line item for tax exempt dividends. Makes it a little more hassle to do your taxes. If you buy straight from the feds at treasury direct, you don’t have to worry about this. That said, you can get better rates with some HYSA than you can get for t bills even with the tax break. My HYSA interest is taxed at 9.3% in CA. My HYSA with 4.1% beats my t bills at 3.7%, but only slightly. Do the math and see if it’s worth it.

Homefree_4eva

But the market is only up those percentages because it was coming out of the correction when numbnuts tried to bully the whole world. S&P is only up 3%, if you extend your look back another 6 weeks. You could have beat that with a HYSA.

Party-Positive6359

Unfortunately for me, I bought 10 year treasury bonds when Trump got elected, and put about 165,000 into them. I knew this fuck was gonna tank the economy, I just didn't know when. I'm debating selling the bonds and putting it into a HYSA for the foreseeable future.

plainsdriffter

At 68 I've learned one needs to accept what you can't control and take advantage of what you can. The swings are the price you pay for earning more than HYSA or CDs. Stoicism my friend.

Chasing_waterfalls23

I’m a LT investor. Don’t do any trading so I don’t ever sell my positions and only add onto them. I have mainly ETFs, a couple of mutual funds, AMZN and META in my portfolio. I had been wanting to buy real estate for a while so I had a large sum of cash in my HYSA. Changed my mind about real estate and so last year during the tariff saga, I lump summed about half of the funds into VOO and VGT (at a price of about $480ish for both funds). But then things turned around and stocks soared to ATHs. Been holding onto the rest of that cash waiting for the right time to get in and I finally started going in today. Got some VOO today at $585 and will continue to DCA next week if the dip continues. I know that I cannot time the bottom but something feels good about buying at a discount. Looking to get more VOO, SMH and META. Maybe finally get some NVDA too. We’ll see.

ChaseballBat

Sold in May last year. 4% more drop and my HYSA beat the S&P500.

Yvese

Stick it in a HYSA, SGOV, or a Fidelity CMA.

Beam_walker1006

What is your length of time for when you “need” that money? That is the most important question? If your time is under a year or 2 let it sit in HYSA. If you don’t anticipate needing that for 5-10 years or more start putting it into the market small amounts at a time into diversified ETFs

winchellhouse

Mixture of cash in a HYSA and short term treasuries.

dt405gt

HYSA while waiting on a rebound

Run-Forever1989

Shit I would recommend an index fund but it appears you already tried that. Have you considered a HYSA?

Don_Mask

As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?

nicolas_06

I wonder what was the SP500 value by then ? What did you gain in the end 3-4% ? Personally I never left the market but my plan is to buy the famous dip at -10% and again at -15%, -20% and so on... For that I can put some extra money from my saving in HYSA, increase stock exposure at expense of bond and in case of really severe drop (>30-35%) consider using margin on the brokerage.

Altruistic_Box4462

All in HYSA

Mobile-Mousse-8265

I just reduced my investments by half. Things feel too uncertain and I don’t know if the market can bounce back from this. I’m going to put the extra in a HYSA.

streetberries

So you went full regard two weeks ago? Diversify your risk big guy - gold, real estate, international, crypto, hedge and at least HYSA the rest

Visible_Wolverine2

You should just put this in a HYSA and work on not being such a baby.

ziggy-tiggy-bagel

It depends on the your time frame. If you have years before retirement, you want the market to go down when you DCA into the market. Everything is cheaper. Now if are 6 years into retirement, like we are, then that is the reason to have a few years of cash reserve sitting in money market or a HYSA, so you don't have to sell into a down market. RMD'S are a whole other problem in a down market.

hiddentruth37

To give you some perspective, normal people think their HYSA 4% Annual gain is a steal

No_Nefariousness5996

Here's what you can't do: sell it all and wait for a better time to invest. Why? Because you will always have doubts about the true bottom and you won't jump back in soon enough. Take it from someone who entered the stock market in 2000. Because I basically did just that. I didn't sell, but I did stop investing because it seemed like a lost cause. Didn't renter the market until 2010. If you think the market is entering a prolonged bear market you can take some risk off the table by reducing your position size on over valued / highly speculative stocks and increase your exposure to bonds or a HYSA

iamacheeto1

which HYSA are you using?

velamind

I have enough cash to last me 2-3 months of living expenses, in a HYSA. In paper money I just have Mexican pesos lol I’m waiting 20+ years so I just buy. Up or down, red or green, I buy.

Direct-Substance4534

Okay but if you invested that money you’d be down significantly more. Just put it into a HYSA.

Creative_Squash_1083

So like, for those playing along at home, you're leasing out a bunch of gold that you paid way over spot for, for returns that basically any HYSA can beat. A 10oz bar is fine. That's a good way to gain exposure to gold. Goldbacks are not. As the person said. You can disagree, you're just objectively wrong. It's fine for you to waste your money, just don't encourage anyone else to.

Ravonixx

And the 3 to 4% from a HYSA has no chance of keeping up with that level of monetary inflation, so where else to park it than assets and commodities?

DestinyPandaUser

I cashed out last year September and coincidentally managed to catch the top (nearly). 2 months ago I started DCAing back in at a great discount. Uber for example I sold at $97 and bought some back in at $74. But I’m still 80% cash (HYSA) and waiting for a crash. Sure I’ll catch heat from folks here for trying to time the market but I did time the top successfully. Can I time the bottom? Probably not exactly but things are so uncertain now that I’m ok being out of the market for a couple of years. If there is a crash tho, I’m ready for my come up and none of you haters are invited to my party.

SethiusAlpha

I'm 99% in cash (HYSA, to be more precise). All the rules I ever learned about how investment works went out the window in 2017, so come 2025 (and higher interest rates), I just skipped the charade.

NaorobeFranz

If you put it in the market, don't count on that portion of your house fund. It can go down, there's no guarantee that your purchase will work out. Since you're asking this question I assume you don't have much experience. You should consider the safety of a HYSA, rather than risk money for an important goal.

KumingaCarnage

or a HYSA of your choosing

winter-shoulders

I have yeah. Uncle Sam’s share is sitting in my HYSA

Pecncorn1

All HYSA, I can't figure out what else to do, I'm too old to fuck around with the little I have to play with.

Ok-Wolverine-4223

I assume this is in a IRA and not a brokerage. Just make sure there are no tax implications by selling. GOOG is a good option but definitely wouldn’t do 40%. Some people are die hard on a stock. If your dad understands the worst case scenario then it is ultimately his decision. At least your dad is doing pretty good. It took me months to convince my dad he needed to use at least a HYSA for all his RMDs he cashed out and was sitting on. Just got him into a brokerage as well a year after doing the HYSA. Slow progress!

Stock_Genie_

─── Congrats on stacking $400K—now it’s about building a plan that both of you can sleep with. A few thoughts: 1. Emergency + near-term goals first: Pull out whatever you need for 6–12 months of expenses + any short-term goals (home, car, etc.). That can stay in HYSA/T-bills so you’re never forced to sell investments in a panic. 2. Use the risk-free rate: With cash yields still north of 4%, you can park a chunk in 3–6 month Treasuries (laddered) while you ease into the market. It beats leaving everything in a standard savings account. 3. Automate the equity exposure: If lump-sum investing feels scary, dollar-cost average. For example: move $20–30K/month into a simple 3-fund portfolio (Total US, Total International, Bond index) via an IRA or brokerage. Set it once, stop watching headlines. 4. Get aligned with your spouse: The best portfolio is the one both of you stick with. Maybe 60/40 stocks/bonds feels right; maybe it’s 70/30. Figure out your “max pain” drawdown and work backward. A fee-only planner can run projections for a few hundred bucks if that helps. 5. Stay diversified + boring: Broad index funds, maybe sprinkle in a factor tilt if you care (value, small-cap), but don’t bet the farm on any single theme. Avoid the temptation to time politics—markets have been volatile under every administration. TL;DR: Keep enough cash for safety, earn something on the rest via T-bills, and automate a steady glide into diversified index funds. The biggest risk now is letting inflation erode $400K while waiting for the “perfect” moment. —Stock Genie 🧞‍♂️ (not financial advice, just a plan)

zonk84

95% of why I chose Fidelity for my individual account is because they were also my 401k plan servicer -- at the time, everybody had simply jumped on the model that made the then nascent online brokerages (E-Trade/Ameritrade/etc) successful: No fee trades. Nowadays, I think most everyone does fractional shares. SPAXX is as good as any another, I guess. Occasionally interested, but never pulled the trigger on a Fidelity CC (just happy with my existing and points spreads). I don't use it for cash management or bill pay - I get a slightly better rate with a fintech. So, maybe I'm not the best advocate opinion you're looking for -- but I've had a brokerage with them for nearly 7 years now and I'm quite happy with all elements of it. No desire to change. I suppose *technically* \- they've been my company 401k servicer my entire career - so more like 20 years, but they're just the servicer, not the plan... Nonetheless, I think I'm getting a slightly better deal on my HYSA/bill pay elsewhere. I still have a robo-ETF account external; but I like to keep it as a sort personal 'stalking horse'. I'm quite comfortable with multiple platforms -- each has its purpose, a purpose for each. If I *were* to collapse to a single, though? All things considered, Fidelity would be my choice.

1burritoPOprn-hunger

OP, hopefully this is a high yield savings account. If not, this is the very first thing you should do. Banks pay close to zero. HYSA is somewhere around 3.5% at the moment depending on who you go with. By itself that's about 1800 a month, risk free, and insured. It will at least help you keep up with inflation. If it's in a checking account, GTFO out of it now. If not, the question of investing it is much more nuanced and you're getting plenty of boglehead answers in the comments already.

West_Lavishness6689

dividend stocks probably and some in a HYSA

rangerdanger9454

Why is it not in a HYSA? FDIC only insures up to $250k per depositor per bank so you should also consider splitting it into separate accounts soon.

Various_Match_187

I disagree. Any money that you don't want to lose should e in a HYSA, SGOV or another cash-equivalent. You can still lose 50% or 60% of anything that's invested in a diversified long term bucket of equities.

sarhoshamiral

Market will go up due to inflation. The important part is will it beat a HYSA.

Roygbiv-Turtle-98

yea, its probably better to put your savings into SPY or QQQ or VOO or whatever, compared to a shitty HYSA that isn't beating inflation at all. But the best place to park your money now is hard assets like gold/silver because inflation ain't going anywhere. and the Fed keeps printing and debasing our currency. that is why Gold and Silver have mooned - they will keep mooning. 4-5k gold will eventually be 40-50k gold

pikodon

Well are they opening those packs? Sounds like they are, then yes it’s a gamble. If you bought product 5 years ago you’d have way greater of a return than what an ETF or HYSA would give. I’m not saying theres no risks, any investment has risks and rewards.

Bluebird-9641

I have asked some very avid and knowledgeable current pokemon card collectors about that and even they admit it is not an investment. They do it for the fun and thrill of it and treat it as a hobby and if they are worth something one day then that's a bonus. Unless you have F You money You are way better off investing it in a safer ETF or even a HYSA.

Altruistic_Emu_146

Took me awhile to learn the winning combo that works for me, I go long with options as hedge. Always have some cash to take advantage of buying opportunities. And more importantly sizing. 50% VOO and ETFs, 10 to 20% in REITs and HYSA, 30% in growth stocks, tech mainly coz it’s what I follow and also work in the industry. Every upheaval is a buying opportunity although I get a tad apprehensive but I remind myself I was able to grow my portfolio because I held (and added whenever I could at the dips). Can’t go wrong with Warren Buffet’s strategy being a contrarian.

chrismp90

I doubled up my normal dca investment about 2 months ago. Still going at that level. Less going into HYSA, more to the brokerage. Nothing fancy. I’ll back it back down whenever it gets back to ATH. Assuming we don’t have a 2007-08 again that is

skidmark_zuckerberg

You aren’t gonna get any sympathy here and it’s no one’s fault but yours. Get off the internet and stop gambling. That $100k in a HYSA or some index funds woulda set you up long term.

Sparkswont

Might want to give that 3.35% APY HYSA a go, OP

Madismas

Yep, I got around $60k cash in HYSA and only play with $10k in my brokerage account, I dont buy calls, just normal shares. The rest is all 401K ETF's. I do not belong here.

Forsaken_Country_631

I DCAd 20% of my savings into smart market investments from Oct-Dec and I have still yet to make positive gains, I’m actually negative. As far as I’m concerned cash is king right now hands down so, going into a HYSA is the best bet. Don’t stop contributing it to your 401k tho if you can, for tax advantages.

Golden_Hour1

Im losing a lot keeping it in a HYSA but better than being in the red in the casino with a kangaroo market

stupidber

The only account thats green this year is my HYSA

balalaikagam3s

Looking at my emergency funds in my HYSA like, https://preview.redd.it/t9bl6xizanqg1.jpeg?width=369&format=pjpg&auto=webp&s=acade58effc69189451945d96ab6b718102071aa

Wowmuchrya

Do 2-5k a week and keep 1/2 in a HYSA. Even if it goes up a bit we will be in a bear market by the end of this year or early next year.

QuickInvestIQ

I think you are misunderstanding account type for investment type which makes sense considering you are relatively new to investing. Roth IRA, 401k, Traditional IRA, HYSA are all account types. VOO is an investment inside an account that allows you to own all the largest 500 publicly traded companies in the USA. It is diversified because of how many companies it covers. An HYSA account doesn’t have any investments in it. It’s just AMEX giving you a percentage of interest paid to you. They do this because they can earn more then they give you and lend your money out to other individuals who pay them a high rate to use your money. That amount is called a spread and is the amount they earn minus the amount they pay you. You should definitely consider moving that money to a brokerage account or a retirement account and invest in an ETF like VOO. On average over a long time period VOO should earn you approximately 10% which is much higher than the rate you are getting on your HYSA (which barely outperforms the rate of inflation). As for your company you should find out ASAP if they offer a 401k and how much they match. If they offer it and have a match percentage you are truly missing out on free money they will give you that free money that you can invest for retirement. Each retirement account has certain investments they will allow so once you make sure through your employer that it’s set up ask the Human Resources person at your company which financial firm manages all their 401 accounts and you can contact that firm to find out what your investment options are. I would focus 100% first on contributing to a 401k at least the amount your company will match. The next best step is more personalized about how you feel about having student debt. Since VOO on average over the long haul will gain 10% a year if the interest rate you are paying is less than that it’s (in my view) ok to just make the regular loan payment and invest any extra amount you have each month (and can afford) into a brokerage account in which you can buy investments. If the interest you are paying on your student loan is more 10%, then I would try to pay that down first before opening up a brokerage account. I hope this helps. Investing can be difficult to understand but it’s great to see you are taking steps to learn about investing and go about doing it. Good luck with your investing journey.

insoul8

Honestly, if this is for a down payment and you will need liquidity with pretty short notice, I probably wouldn’t even put it in an index fund. Those still have short term risk, especially right now with everything that’s going on. Unless you’re ok with potentially being down a bit the month you end up needing to take it out. I would probably just put it in a HYSA or maybe in SWVXX as you’d still have liquidity within a day and much less risk.

MolestedByUnc

Keep it simple to save your emotions. I simply DCA $10 every market day into spy, $8 into Realty O, and $100 for HYSA every two weeks.

aggierogue3

Posts like this make me happy I just go to work and take a check and stick what’s left in a HYSA. Roth and 401K are in higher risk index funds. Takes zero thought and I’m not trying to time the market.

FederalLobster5665

honestly, id be more upset that I let that much money sit in a HYSA for the last ten years......and missed out on all the gains up to this point. but yes, your timing is rough. but with a long time horizon, it should be ok. this could bounce back into time.

DontForgetTheDivy

What did you invest in. The indexes are basically flat over the last 6 months. This doesn't make sense unless you had like $5m in HYSA and lump summed it. In which case you would be down 2%.