Edit: update I decided on a CD. I may do an index fund in the future. This was a short commitment and easy to understand. Thanks everybody.

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[–] 10 points 2 years ago (1 child)

Depends on your risk tolerance.

A 4% savings account is “safe” but might not keep up with inflation.

An index fund might be “good”, but the value can go down.

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  • [–] 5 points 2 years ago (1 child)

    IIRC, >6% is the floor to keep up...

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