Ive decided I want to buy my dream car before in too old to enjoy it. My current vehicle is almost paid off and I think if I roll my current monthly payment into an investment account I can have the money (90k) to buy the car I want in about 5 years. I want to pay for this in cash, not finance it and I am patient so I can wait. My question is for investments on this timescale, roughly 5 years what level of risk should I take, I was considering just putting it all into a SPY etf. Is this a solid idea or should I use something like a target date find instead?