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Reply to "HYSA vs. 401k"
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[quote=Anonymous]A couple of obvious points: (1) markets will always be uncertain, and (2) 401ks are not just for investing in equity funds! You should look at the investment options for your 401k. There are surely tons of very, very low-risk options, including money market funds. If you are currently investing in a target-date fund, you may be surprised how much you are already allocating to bond funds. HYSAs are taxable. So if your marginal tax rate (including fed, state, local) is 40%, and you get a 4% return, you will pay 1.6% in taxes and keep 2.4%. With the traditional 401k, you will still eventually pay taxes on those gains, but it will be much later, presumably at a lower marginal rate in retirement.[/quote]
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