u/Additional-Bit-2494

Trying to figure out how aggressive to be with a house fund.

Context:
- California physician
- ~$600k income
- Saving ~$4k/month toward a future home purchase
- Likely 3–4 year timeline, but flexible if markets are down
- Already investing aggressively elsewhere

Originally had the whole fund in VUSXX, but now wondering if that’s overly conservative given my income/savings rate.

Considering something like:
- 40–50% VUSXX
- 20% VTEC
- 30–40% VTSAX

Curious how others would approach a medium-term house fund when the purchase timeline isn’t completely rigid.

Trying to figure out how aggressive to be with a house fund.

Context:
- California physician
- ~$600k income
- Saving ~$4k/month toward a future home purchase
- Likely 3–4 year timeline, but flexible if markets are down
- Already investing aggressively elsewhere

Originally had the whole fund in VUSXX, but now wondering if that’s overly conservative given my income/savings rate.

Considering something like:
- 40–50% VUSXX
- 20% VTEC
- 30–40% VTSAX

Curious how others would approach a medium-term house fund when the purchase timeline isn’t completely rigid.

Thank you