Should I Save or Invest My Down Payment If I'm Buying a Home in 3-5 Years?

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Should I Save or Invest My Down Payment If I'm Buying a Home in 3-5 Years?

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Been saving for a house for the past 2 years, My investing/saving ratio has been employer match, max out HSA/roth IRA, expenses and everything else for the house. Yeah I could stop all investing and be able to save faster, but I don't think it's a good strategy simply because the housing market has gone through crazy changes. Even though I already have 5% down with savings, current rates pretty much priced me out. Might as well invest while im on the sidelines and keep building my savings so I'll be in an even better position to buy once things level out.

mdel
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Need to see how this damn housing market turns out. My wife and I just got married and are hoping to start looking at houses by end of next year.

zackaryfry
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I don't think 100% should be saved. To be safe yet also take some risk, I would invest 25% and save the rest. It depends on your risk tolerance.

guhreenskittles
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What are good high yield savings accounts, that are liquid?

foodguy
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I know Bryan brushes it aside but using saving and investing interchangeably can be an issue for people who aren't as savvy as 2 financial advisors. They should be more careful with the terms in my opinion.

greenlantern
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I'm purchasing right now, investors stop acting like is the end of the world, I made my first million already from stock investment this month as other investors are been risk averse, invest now stop over thinking.

jasminemccumber
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Actually kings or certain investors could pay the dividends to your mortgage. But then you probably need to think bigger…..

rockystaatz