My wife and I currently have about $85k saved for a future home down payment that is sitting in a HYSA earning 3.1%. We also have a fully funded emergency fund and are contributing to our retirement accounts.
We don’t expect to start the home buying process for at least a year, but potentially up to 3 years since we’re happy with our current rental and have a reliable landlord who hasn’t been raising rent.
We've looked into 12 month CDs offering around 3.9%, but we are wondering if there are other low-risk options we should consider in the meantime. What would you do in this situation?
u/ElectronicTune402 — 14 days ago