Key insights
- A retail investor is seeking low-risk investment options to outperform a 3.5% HYSA yield in order to purchase a house in 18 months. They are considering diversified options like SPY and VOO, but are wary of market volatility. This reflects general retail sentiment and a cautious approach to equities, suggesting limited near-term impact.
Hello! I have a personal goal to be buying a house in 18 months. I currently have some investments, but the bulk of my savings is in a 3.5% APY HYSA. At the rate I'm going, I will be a little short of my goal. I want to put more of it into investments, but the market is scaring me a bit with current events and the overall bearish sentiment.
I am looking for low risk/low (maybe medium) reward moves that should outperform my HYSA. Considering moving $50-$75k over and will want to keep it diversified. SPY? VOO? INTC? 3.5% shouldn't be too difficult to beat, just a bit scared of going negative. thank you for the help!