Should I invest or leave money in my HYSA? : r/Bogleheads - Reddit

I have about 100k sitting in my HYSA and yielding 5.40%. Got my 401k(have $45k) and ROTH IRA(have $6500) maxed out and I may buy a house in about a year or two so question is …

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Should I Invest Or Leave Money In My HYSA? : R/Bogleheads - Reddit

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I have about 100k sitting in my HYSA and yielding 5.40%. Got my 401k(have $45k) and ROTH IRA(have $6500) maxed out and I may buy a house in about a year or two so question is …

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R/Bogleheads On Reddit: Would It Be Insane To Keep $300k In A …

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Hesitancy to invest is not grievous sin, and especially not like other forms of timing the market that involve short-term speculation and trading. Being unsure about what you want to do with your …

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Is $80,000 Too Much To Hold In A HYSA? : R/Bogleheads - Reddit

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Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term investments. Active managers want your money - our …

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Buying A Home In Roughly 5 Years: Should I Move My Money From …

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SOCAL? All the more reason to have your cash in tbills vs hysa. Tbills have no state or local taxes on the income. Hysa is 100% taxed, so you are getting nailed on income tax in California. At …

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R/Bogleheads On Reddit: I Have 6 Figures Sitting In An HYSA That I …

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This is my non retirement money. However a portion of this will go into long term savings once I find a home. Currently have $250k sitting in Robinhood (I don’t want to hear how this is a bad …

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Hysa Or Tbills - Where To Keep Cash. - Bogleheads.org

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Fundmenow wrote: ↑ Fri Feb 09, 2024 1:12 pm Back in the day when hysa accounts were at 1%, I had my money at American express hysa. Now, there are many better alternatives to amex …

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Are You Supposed To Invest Your HSA Funds? : R/Bogleheads - Reddit

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Yes, IMO you should aggressively invest your HSA to maximize growth over the longest time period possible. You want this to be the last account you touch. I would go 100% …

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27-Year-Old Couple With $235K Saved And $70K Annual Surplus …

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1 day ago · This is the case for a couple with a combined annual income of $70K and a substantial sum of $235K in an HYSA, earning them 3.8% and $9K in their checking account.. …

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FAQs about Should I invest or leave money in my HYSA? : r/Bogleheads - Reddit Coupon?

Should I Keep my Money in a Hysa?

With HYSA interest rates at a high of 5% right now, it's actually a bad financial decision to NOT be keeping your money in a HYSA!! HYSAs have become more popular in the last 5 years as more banks turned to online services for customers and became more competitive. ...

Should you invest in high-yield savings accounts (Hysa)?

In today’s financial landscape, many investors are looking for options to amplify their profits beyond the standard high-yield savings accounts (HYSA). When it comes to increasing their funds, people think of ETFs such as VOO, VTI and SPY due to their low fees and diversification. ...

How should I invest my HSA?

The answer is to invest it according to your overall asset allocation, with a preference for the stock portion of that allocation. I cannot tell from your post what your desired asset allocation is, nor what funds you have available in your HSA. Absent that information, I'd suggest a total stock market fund if there is one available. ...

Should I invest in a HSA or a Roth IRA?

HSA investments should generally be the same as what you'd choose for a Roth IRA, as the money there will never be taxed so long as you wait long enough to have offsetting medical expenses. The answer is to invest it according to your overall asset allocation, with a preference for the stock portion of that allocation. ...

What equities should I put in my HSA?

500 or total stock You'll want 100% equities in your HSA if you're planning on using it for retirement payback to yourself / health expenses. If you're wanting to use the HSA to cover your medical expenses today--- I would select VASGX (Lifestyle Growth) which splits stocks US/INTL 50 US / 30 INTL and 20 Bonds if you want to preserve capital. ...

Are HSA funds tax free?

1. Pre tax contributions 2. Tax free earnings 3. Tax free withdrawals (for medically eligible expenses). If HSA funds are withdrawn for non-medical use before age 65, the funds lose their tax-exempt status and are subject to income tax. Plus you get to incur an additional 20% tax penalty for early non-medical withdrawals. ...