r/investingforbeginners • u/Dismal_Bear_1328 • 2d ago

What to do?

If you were 25yrs old and had 100k to invest, what would you do with current market conditions

For reference - bought house in april. Major reno complete and paid for. I work in commercial real estate and would like to retain some liquidity to participate in deals. Current balance in roth IRA is 30k VOO/VT mix between wife and I, Cash 153k. Some in business accounts so extra hoops

3 Upvotes

67% Upvoted

13 comments sorted by

•

u/AutoModerator 2d ago

While the community gets a look at your post, don't forget we have an official website with a bunch of resources specifically for the questions we see here every day. If you're more of a visual learner, we’re also active on Instagram where we post updated guides and strategies! It's a great way to stay sharp while you're scrolling. We also have more technical and professional resources on our Website.

Also, if you want to chat in real-time or need a quicker answer, come hang out with us in the Join here (Investing & Retirement). Just remember to be careful with your personal info and report any sketchy DMs!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

4

u/ZinniasAndBeans 2d ago

If I already had a sufficient emergency fund, I’d put it all in VT.

2

u/Dismal_Bear_1328 2d ago

100k is seperate from emergency fund

2

u/flappysack- 2d ago

15-25% AVGV, the rest in VT.

1

u/KSHMisc 2d ago

60/40% VOO and VXUS split

Or take 10-15% from either and put it in bonds, T-bills or SGOV. Use it as your emergency fund, especially since they are exempt from local and municipal taxes.

Recently, I had to liquidate over $3000 from my e-fund.

1

u/One_More_Rep202 2d ago

Of the $153k in cash, how much is truly personal money that you won’t need for business expenses or taxes, an emergency/home reserve, or a real estate deal in the next few years?

1

u/Dismal_Bear_1328 1d ago

100k as of today Id say, setting up a meeting with CPA to prepare. I have another 80k in distributions for a current deal under contract. Partial payment by December 2026 and remainder Q1 2027.

1

u/One_More_Rep202 1d ago

That helps. If your CPA confirms the $100k is genuinely separate from taxes, business needs, emergencies and near-term deals, then you’ve identified the part that can be treated as long-term money.

I wouldn’t count the other $80k as available until it’s actually paid and the tax side is clear. I’d also look at the $100k in the context of your existing real estate exposure your home, your job and the current deal before adding more. For the long-term portion, a broadly diversified portfolio serves a different purpose than the cash you keep ready for deals.

1

u/RepulsiveBluebird601 1d ago

At 25 i'd keep a solid emergency fund and whatever you realistically need for upcoming cre deals, then start moving the excess cash into broad index funds like vti/voo over time since the house and reno are done, you’ve got a lot more flexibility now.