u/PureWhiteMeat

This is a simple Bill Maher appreciation post on America's bday. Here's to over 20 years of entertainment from Real Time

Is this just an anti Bill Maher sub? Trying to figure out the vibe here and can't tell if it's some algorithm that just happens to be showing me nothing but hate for Maher and Real Time or if that is the point of this sub

I expect that I will need to buy a more expensive home in about 4 years (have a 3 month old, and our school district is really bad, so probably need to move to a better one before school starts).

I plan on doing the dca with my savings for the new house and I believe about 4 years worth of conservative investing would be better in the market than high yield savings account or a bond etf like sgov.

I was thinking that putting it all into say, voo or vt, while not especially risky, might not be the wisest choice with needing the money by around 2030. I came across Schwab's low cost (.08%) target date funds and it seemed to be a good, very low effort compromise between bonds/high yield savings and voo/vt, especially since there is a target date 2030 fund.

What are your thoughts, folks? Think that is a smart move?

Bonus question: might do the same thing with my personal ira and throw all that into a target date fund instead of playing with voo, vt, vxus, vgt, qqqm. Thoughts?

I would like to start the Boglehead method. This market got me sucked into chasing speculative stocks and ETFs, and while I overall made some good returns, it has been demanding way too much of my attention, distracting me from life, and stressing me out. Don't want to get burned either, just need to be a disciplined investor like I see you all do and stick to a regular budget.

My IRA is my most reasonable account and largely between these 4 ETFs: VOO, VTI, VT, QQQM.

I know there is obviously some overlap there. Don't know if that matters much? Like is having 2 overlapping funds worse than lumping that same amount into one of them, or is that practically equivalent at the end of the day?

Just looking for some input from you level headed folks. Also, need to reorganization my personal brokerage account into a set and forget as well. Suggestions there?