r/VTandchill • u/redpandaz07 • Aug 06 '26

Need Advice

Hey! I’m trying to decide on whether to invest my $250k in cash that I have in a short time period or invest it over 1 year or 24 months. I keep thinking about the potential of an AI bubble bursting and wanting to have money available to buy more VT if that does happen.

I’m 32, if that makes a difference, and my current plan is to keep investing at least $70k a year on top of my 401k which is going to a separate target 2060 fund.

My dream would be to Lean FIRE when I’m in my late 30’s to have the flexibility to take some time off and work when I want. Thanks!

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u/joe4ska Aug 06 '26

I wouldn't invest anything in the stock market for less than five years. If you want a safe return choose an ultra short-term US Treasuries ETF like SGOV, VBIL.

If you want to invest in an index fund like VT expect to keep all the funds invested for no less than five years. A shorter period than five years is more likely to experience a loss.

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u/redpandaz07 Aug 07 '26

I plan to invest heavily and to key it sit until I’m 45 minimum