Where to put $250k for 3+ years

[Anonymous]

Sold our home. Moving abroad. We will rent there for at least 3-5 years until we decide where we would like to own a home - US, new country or somewhere else.

Where should we park the money?

[Anonymous]

CDs

[Anonymous]

CD ladder. I Bonds

[Anonymous]

I Bonds and 2 year US treasuries that you roll over according to your timeline.

[Anonymous]

Cash for the next 3-4 months, then in the S&P 500.

[Anonymous]

Anonymous wrote:Cash for the next 3-4 months, then in the S&P 500.

This. Bear markets typically rebound in 9 months. You could miss out on some real gains in 2-3 years.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Cash for the next 3-4 months, then in the S&P 500.

This. Bear markets typically rebound in 9 months. You could miss out on some real gains in 2-3 years.

Where did you get your crystal ball? OP, don't listen to this poster. If you need the money to buy a house in 2-3 years, it should not be in stocks, unless you are willing to accept loosing half of it and buying a lesser house.

[Anonymous]

Bitcoin’s

[Anonymous]

Agree with the poster who said CDs. There are some decent rates out there now. I was thinking of moving some money here:

https://opensavings.breadfinancial.com/

[Anonymous]

Anonymous wrote:I Bonds and 2 year US treasuries that you roll over according to your timeline.

This

[Anonymous]

Anonymous wrote:I Bonds and 2 year US treasuries that you roll over according to your timeline.

I purchased $10,000 in I Bonds in April, but can you explain 2 year US treasuries?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Cash for the next 3-4 months, then in the S&P 500.

This. Bear markets typically rebound in 9 months. You could miss out on some real gains in 2-3 years.

Where did you get your crystal ball? OP, don't listen to this poster. If you need the money to buy a house in 2-3 years, it should not be in stocks, unless you are willing to accept loosing half of it and buying a lesser house.

It's not rocket science. Pull up historical s&p curves. Look at how long the bear markets rebound. The fall in 2008 took less than 3 years other recent history bear markets were shorter than this. But hey, don't listen to me, what do I care...

[Anonymous]

Dividend producing stocks. Less upside potential but less chance of a huge drop. I’m only down 2.5% on the year while the S&P is down, what, 17%?

[Anonymous]

Anonymous wrote:Dividend producing stocks. Less upside potential but less chance of a huge drop. I’m only down 2.5% on the year while the S&P is down, what, 17%?

Horrible advice considering the tax implications.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I Bonds and 2 year US treasuries that you roll over according to your timeline.

I purchased $10,000 in I Bonds in April, but can you explain 2 year US treasuries?

US treasuries are sold in 1,3,6 month, and 1,2,5,10,20,and 30 year notes. They are state tax free and can be bought and sold on the secondary market at any time. They are currently paying a lot better than CD’s for a similar duration. If you look at the yield curve, the sweet spot is around 2 years. Any further out, the curve flattens and to me is not worth it to hold longer for not too much more return. At the shorter durations, there is less interest rate and inflation risk. I have some of my emergency fund and some short term expenses in treasuries. For example, money for a wedding later this year in 6 month t bill, and some money for a large expense next year in 1 year t bill.