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Started By
Message
Hysa vs Investment Risks
Posted on 2/25/25 at 9:37 pm
Posted on 2/25/25 at 9:37 pm
Ive got my 401k maxed out to the company match and have been putting away as much as possible for the a good while. Have 15k saved in a hysa. I was wondering if I should continue to pile money into the HYSA. Or use the 15k as an emergency fund and start places my extra incoming into "Safeish" investments like bitcoin & VOO. Would appreciate any feedback.
This post was edited on 2/25/25 at 9:38 pm
6
Posted on 2/25/25 at 9:38 pm to Scoper
quote:The usual suspects are going to have fun with this one after a day like today
"Safeish" investments like bitcoin
Posted on 2/25/25 at 9:41 pm to Scoper
quote:My feedback is that I like you and you don’t need advice from anyone on this board.
"Safeish" investments like bitcoin & VOO. Would appreciate any feedback.
Posted on 2/26/25 at 4:04 am to Scoper
Keep the $15k as emergency fund and start piling the extra into something like VOO, VTI, or even BRKB. You will be rewarded for this years from now.
Posted on 2/26/25 at 8:35 am to Scoper
quote:
Keep the $15k as emergency fund and start piling the extra into something like VOO, VTI, or even BRKB. You will be rewarded for this years from now.
I agree with this.
The risk of of the investments is mitigated by time in the market. The argument against investing is that the market can go down and in an emergency you will have to sell some of your stock funds at a lower price than you bought them for.
If you are in the market long enough, you can make this work for you. After a few years, you are likely to have many shares of a fund that have gone up and some that have gone down. Sell some of both, and if you work it right you have no capital gains taxes.
You should have some savings, but savings is like insurance: it protects you when something bad happens. Investing builds wealth, savings doesn't.
YMMV. If your life is a constant financial roller coaster, you may want to stick to savings.
This post was edited on 2/26/25 at 9:04 am
Posted on 2/26/25 at 10:12 am to ronricks
quote:
Keep the $15k as emergency fund and start piling the extra into something like VOO, VTI, or even BRKB. You will be rewarded for this years from now.
Do yall have a preference on VOO or VTI? Always wondered if people liked one more than the other.
Posted on 2/26/25 at 10:46 am to Scoper
If you are going to put it in investments, set it and forget it. If you are going to panic sell after a sell off, it’s better off in a HYSA.
Posted on 2/26/25 at 11:24 am to JoylessMurderball
I prefer VTI but considering 80% overlap with VOO and it is cap weighted there really isn't much difference.
Posted on 2/26/25 at 12:51 pm to TorchtheFlyingTiger
I use a VTI, VTV and VYM split. But I like less risk and reinvesting my dividends.
Posted on 2/27/25 at 12:18 pm to Scoper
quote:
Ive got my 401k maxed out to the company match
Are you maxing the 401k or just getting the company match? Max the 401k.
This post was edited on 2/27/25 at 12:18 pm
Posted on 2/27/25 at 9:45 pm to GrizzlyAlloy
quote:
Are you maxing the 401k or just getting the company match? Max the 401k.
I've set at to the point of company match
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