Anonymous #3 24w

I need it in about 3 years . Rn I’m doing an 80/20 split of 80% in HYSA of 4% and 20% on VOO. But I’m worried I’m not getting the most returns

1

Anonymous OP 24w

You get a higher return on average investing in stocks, but that also comes with the risk of losing value and not having enough time to recover your losses Meanwhile cash earns a smaller fixed return since it won't decline in value (besides inflation) - you get compensated less bc there's no risk You just have to decide how much risk you wanna take and base your decision off that

1

Anonymous #3 24w

Also banks can lower HYSA rates any time, mostly when the Fed lowers them. CDs offer the fixed return I mentioned

1