Is there anything else besides ETF investing?
Hi everyone,
I’m 26 and currently have around 120k net worth.
About 55% is cash because I want to buy a house within ~3-4 years, and the other 45% is invested in ETFs.
The thing is: I honestly dislike having that much cash sitting around, but with such a short and uncertain timeline for buying real estate, investing more into ETFs also feels too risky.
A few years ago there were some decent 0% government bonds/state notes that actually gave a nice return, but nowadays I feel like those opportunities barely exist anymore.
Besides maxing out the better savings accounts, I kinda feel out of options.
What do you guys personally do with larger amounts of cash meant for medium-term goals?
Just accept the lower returns? Or are there still decent options out there that I’m missing?
Thanks!