So as title says I have 180k currently sitting in a HYSA getting 4%. But as more time goes and that number is growing by about 3-4k a month I'm considering better alternatives.
I was initially looking at SGOV or the like as a way to lower the tax impact and get a slightly higher yield but knowing rate cuts are almost certain I don't think that's exactly the best idea although slightly better than current. I've considered a TBILL ladder as well.
I want to start going into stocks but it seems a really bad time to start with constant volatility and uncertainty although I know time in market will beat trying to time my entry in the end. I'm really torn with all the options wether going an ETF say QQQ or VOO, or go with a dividend one like SPYI or some other CC or high dividend fund. They seem to have better downside protection which might be useful in current climate, but loss on principal is worrying cause I know it may be much harder to turn around than a traditional stock.
Lastly I've considered BTC, I know almost nothing in the crypto space but seeing how well it's performed not just recently but since it's inception I have to think about it.
Any advice would be greatly appreciated.