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Financial
Move liquid savings from HYSA into index funds
Long-term — 3+ years
Context
I have $22k in a high-yield savings account earning around 4.5%. Market conditions are uncertain but I know I'm not using this money in the next 5+ years. The HYSA feels safe but I suspect I'm leaving real returns on the table long-term.
Goal
Decide whether the long-term return differential justifies the short-term volatility exposure, given I genuinely won't need this money for years.
Analysis dimensions — pre-configured
Reversibility65
Upside Potential60
Downside Severity45
Downside Likelihood40
Dependency Risk20
Long-Term Alignment65
Sky bars indicate dimensions working in the decision's favor. Gray bars highlight areas of elevated risk or cost.
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