I’ve got 6+ months in emergency fund, plus investing in retirement. I’m trying to put money away for savings outside of retirement to cover large purchases down the road, build flexible wealth, etc. What’s a good investment strategy for that? My savings and emergency fund is in SoFi account returning 4.6% currently. Should I just park it there as well for a small return? OR should I invest in index funds, etc like a retirement account? Something in between? Any help is appreciated - I haven’t been in this situation before. Additional details: no consumer debt, only a 480k mortgage with 2.6% interest rate 🙌. Married with 2 kids. We are probably talking about investing 10-20k currently taxable and hopefully growing from there. No timeline on when we might touch the money. The idea is to be able to flexibly dip into it if we need it, but try not to touch it unless we need it for a large purchase or something. TC: 120k #personalfinance #investments #taxable
VOO and chill
Keep your emergency fund there, invest the rest
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VTI, VGT, anything like that. Invest all extra income every month.