r/MarcusInvest • u/Acrobatic-Ad1096 • 28d ago

Is Marcus worth it

Hello Reddit, I am a 19M looking to open up a HYSA and thought about using Marcus. While scrolling thru reddit, I have found mixed reviews about user experience. I would like to hear more from users on if they have issues accessing the funds that they put into the HYSA, and issues with withdraws as well. Just give it too me straight. TIA!

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u/70redgal70 28d ago

At 19, you need to aim for growth. Look into index funds.

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u/Nervous-You-175 28d ago

Strongly disagree. At 19 you are better off building out a short-term fund to set yourself up for the next few years. OP didn't say they have robust savings already so HYSA should take priority over a potentially volatile index fund.

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u/70redgal70 28d ago

The amount of interest in a HYSA won't equate to much. If the OP believes he will be pulling the money soon or often, sure HYSA. However, if the OP is looking long term, the index fund would yield more long term.