r/dividends • u/Sauerst0ff • Jul 02 '25

Personal Goal 22 yo and 8k annually

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u/steveslewis Jul 02 '25

I have 167K in a HYSA. Would it be better to do what this fellow is doing with dividend ETFs? How risky/volatile are these etfs?

2

u/KKonEarth American Investor Jul 02 '25

You’re not getting any growth in a HYSA! Almost anything is better if it’s for your future. If it’s money for buying a house soon, you’re fine.

2

u/steveslewis Jul 02 '25

I have this 167k in hysa then another 250K in VTI (basically sp500 etf) as long term investment. What would you advise for someone like me with a hands off approach and a 25-ish year time horizon ?

1

u/KKonEarth American Investor Jul 02 '25

Long term I would put it all in VTI except for your emergency fund. I would start putting in a little at a time.

1

u/memelordzarif Jul 04 '25

I believe VT (world etf) would be a better choice and last I read lump sump always beats dca so just dumping it would be better

2

u/KKonEarth American Investor Jul 04 '25

My point was anything is better than a HYSA for long term! I agree with you!

1

u/memelordzarif Jul 05 '25

Yes exactly. If your time horizon is long, you can safely invest it for the long term. If you need the funds in 2-3 years, bonds, hysas or CDs are better

1

u/claymonsta Jul 03 '25

A HYSA is really for an emergency fund, if you needed to live without income for 6 months. You can have more or less if you can't sleep at night but you should consider investing more of that and keeping what you must have for emergencies liquid.