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REDDIT

Investing but wanting to buy a house eventually

W
Jan 13, 2026 · 19:30

I am now at the point in life where I have taken care of all my debt and emergency fund. I am maxing out the amount i can put towards my pension, and 10% towards my 457b. I plan on putting around $1,500 into a brokerage account, doing like a 70/30 VTI/VXUS split.

I was wondering when it comes to investing and wanting to buy a house, what is the "line" for keeping a down payment in a HYSA vs just investing and then pulling from brokage? Is it <5 years?