如题，手头上家里支援的加上上班积攒的慢慢也有了几十万，原本都存在MMF里，但是降息就在眼前，预计MMF的收益会降低，不确定是应该继续把这笔钱留在MMF还是转投VTI/VOO，希望大佬们能指点迷津。
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Not a big guy but would keep any funds necessary within the next five years out of stock market due to risk of loss of principal.
During declining interest rate environment high yield savings accounts usually fall slower overall than money market funds.
If your time horizon for home purchase is greater than five years then could invest a portion in stocks.
EDITED TO ADD: you probably already know about Best High Yield Savings Accounts - up to 5.55% APY - Doctor Of Credit
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