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Reply to "Help me decide: $20k in I Bonds or $20k in VOO?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Trying to figure out what to do with $20k I’ve saved up. Some context separate from the $20k fund: - Currently have $20k in I Bonds purchased last year - $60k cash cushion emergency fund saved - $50k in after tax brokerage accounts - will come into about $250k of tech stock in the next few years as it vests - already max out 401k and 529 accounts Any thoughts on if I should stick with my initial I Bond plan with these high rates, or use the low VOO prices to get more VOO at a “discount?” TIA wise ones of DCUM![/quote] Depending on your age, risk tolerance and investment horizon: High risk: 50/50 - TQQQ and SPXL (young, high risk tolerance, very long term investment horizon) Mderate risk: 50/50 - QQQ/VOO Low risk: 50/50 - VOO/iBonds zero risk: 100% iBonds For options 1 and 2, I'd spread the investment over the next 5-6 months.. Say second business day of each month, 2K per month per instrument. [/quote] Thank you - this is very helpful. I need to read up on TQQQ and SPXL. We are late 20s, and no immediate plans for the money so likely long term investment horizon. Some talk of getting a second property as an investment, but not sure if that makes sense or better to keep money in the market. [/quote]
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