[USER]

I have CD maturing 30K and I am so scared to put it into VOO. Renewal only 4% and VOO should give the least 10%.

Somehow I am thinking what if will.go down.

How do you guys overcome fear and invest into the market?

[Soltura]

By learning about the market and trusting America will do great over time.

That’s what Warren Buffett did.

[John]

Not sure where ur getting 8% look up the performance for the last 20 years

[Ethan]

You can avoid a bit of the uncertainty by Dollar Cost Averaging. That might help you feel better

[Carl]

SGOV slightly higher yield not locked up and exempt from state tax

[John]

You’re not ‘wrong’ to be scared. Many people, for the first time, finally put money into the market in 2008 right before the biggest crash days, in early 2020 right before Covid, and in 1987 right before Black Monday.

To spare yourself the agony, put only $5,000 in VOO and the rest in an online HYSA making 4.25%.

Wait a month, see how you feel, do it again.

[Author]

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