내 집 마련을 위한 투자: 철수해야 할까요?

### 주택 계약금을 위해 시장에서 돈을 인출해야 하나요?
* 💰 시장에 주택 계약금이 있고 3년 안에 주택을 구입할 계획이라면, **투자를 철회할지 계속할지는 다양한 요인**에 따라 결정됩니다.
* 💸 "향후 3~5년 내에 지출해야 하는 비용이 있다면 **현금이 가장 좋은 친구**입니다."
* 📈 현재 시장이 강세를 보이고 있으므로 지금 매도하고 현금으로 보유하면 **향후 3년 동안 5%의 이자**를 받을 수 있습니다.
* 💡 자신의 위험 허용 범위와 일정 기간 동안 시장에서 **평균 비용을 절감**하면서 현금을 계속 쌓아둘 수 있는지 고려하세요.
* 🏠 3년 안에 집을 살 것이 확실하다면 잠재적인 시장 침체로부터 돈을 보호하기 위해 **현금으로 전환하는 것이 더 안전**할 수 있습니다.
* 🤔 결정은 궁극적으로 **현금 흐름, 소득, 계약금 규모, 전반적인 재정 상황 등 개별 상황**에 따라 달라집니다.
* 🤠 한 가지 관점은 계약금에 사용할 현금에서 **5% 이상의 수익**을 목표로 주택 마련을 위한 자금을 '확정'하는 것입니다.
* 🎯 수익을 극대화하려는 욕구와 **특정 단기 목표에 할당된 자금을 보호**해야 할 필요성 사이에서 균형을 맞추는 것이 중요합니다.

Kevin은 향후 주택 구입을 위해 시장에서 주택 계약금을 인출하여 자금을 확보하는 것을 고려해야 합니다.

[Music] This is Kevin's question. He wrote in and said, If I have a house down payment house down payment money in the market currently and I'm looking to buy a house in three or so years, should I pull it out now or just stop continuing to put money in? Alright, um, stop continuing to put money in. Why would Kevin stop putting money money? So to be honest, I don't know, but I like like the initial question, dollar cost averaging into his. So is it just time to I mean, really the question is, should he just pull it out now? What you do now, that's I think that's if it's three years away, but you have the ability to save cash between now and then from the down payment, well then you should probably save the cash. Let's assume that you don't. That's not what you're talking about. What you're saying is, I've got enough in down payment right now that I uh, that in 3 years it would satisfy the down payment. This is a hard, this is a, this is a hard

one because we are all subject to fear and greed right like we all get caught in that in that mix because you've heard us say that if you have an expense that's going to be inside the next three to five years cash is really your friend like and this is what you know about the market right now. The market is at a really strong place so if you were to just sell today Park that money in cash it's going to make 5%. You know of interest rates stay where they are for the next 3 years and it'll be there for you to satisfy the down payment but I'm just thinking about me personally oh now this is where I'm glad you let me close on this cuz you you're in a greedy way you like oh you keep that money working make gritty gritty gritty. I mean three years because what if he's been doing this for you know a long period of time because he wanted to buy a house hold yeah oh there we go well say your pece say your peace that's true wind fold yep.

so no wind walk away. It's still going. So what? What I would think through was okay been saving. I've been dollar cross Aver. Can I still build up cash on the side over the next three years as I move towards down payment, and simultaneously, while I'm doing that, just like I was able to dollar cost average into the market, can have a strategy where I'm also dollar cost averaging out of the market over some fix timeline so that I could get there. Now I don't know the specific of your situation. I'm just telling you that's the way that I might think through it. Agree, disagree. I mean, want to fight. You know what a house is great for shelter, mhm. You know, if this is the goal and he's been saving for and Kevin, you, I would have already told you if you knew you were making this decision in the next three to five years you're investing this money in it's better to be lucky than good sometimes you've gotten lucky cu the Market's up big.

right now, you know, 2023 was a good year. It's been up this year primarily only from a few stocks that have kind of really pushed it up. I think that if I know I'm moving into a house in the next three years and you're pretty solid on that three. Pigs get fat. Hogs get slaughtered. You go to cash today. I would probably. I would definitely be looking into firming that money up for my goal, trying to maximize, trying to get over 5% on the cash and being feeling. But by the way, you're not selling the whole portfolio. You're selling what you need for the house 'cause he's still going to have money, hopefully always be buying into his Roth and his 401ks, his other retirement assets. So it's not like he's going to cash on everything. He's going to cash on what he needs in the next 3 years. It amazes me when people write me these questions like, hey, I'm Enga.

getting engaged to my girlfriend in the next 12 months. Do you think I to pull that money out of the stock market so I can bothering okay that was you you should you've already been rolling the dice cuz this thing could get gutted and lose 30 25 to 30% of its value and then what are you going to do I I think that that's yeah it's it's that fear and greed and people us humans we love maximizing and I'm all about maximizing too but I think that within 3 years it's probably better to have that that that cash sitting there because it's already earmarked for the house hey I hear you guy I'm not no I am disagreeing with you but like you got but you heard two different ideas right there and that's it depends on your cash flow your income what the down payment is your financial situation um I think you could go either way that's good food for thoughty cowboy Bo over here Field General of your army of dollar bills

right here. Wow, those are both pretty cool titles though a cowboy and a field General. All right.

Should I Pull My Down Payment Out of the Market Now or Wait 3 Years?

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미래 주택 계약금을 위한 투자의 딜레마

케빈은 3년 후에 집을 살 계획인데 계약금을 위해 계속 돈을 시장에 넣어야 할지, 아니면 지금 당장 돈을 인출해야 할지 결정하지 못하고 있습니다.

조언은 지금 계약금을 충분히 마련했고 더 저축할 여력이 없다면 돈을 현금으로 전환하여 가용성을 확보하는 것이 좋다고 제안합니다.

이 토론은 시세 차익을 놓칠 수 있다는 두려움과 다가오는 지출에 대비해 현금을 보유하는 안정감 사이의 갈등을 강조합니다.

향후 3년 동안 계약금을 위한 현금을 모으기 위해 달러 비용 평균화를 고려하세요.

목표에 가까워질수록 일정 기간 동안 시장에서 달러 비용 평균화 전략을 세우는 것도 현명할 수 있습니다.

다른 은퇴 자산에 계속 투자하면서 5% 이상의 현금 수익률을 목표로 주택 마련을 위한 자금을 확보하세요.

약정을 위해 주식 시장에서 자금 인출하기

시장의 불확실성을 고려할 때 잠재적인 손실로부터 자금을 보호하기 위해 주식 시장에서 자금을 인출하는 것을 고려할 수 있습니다.

그러나 현금 흐름, 소득, 재무 상황에 따라 결정해야 하며, 계약금과 전반적인 재무 목표에 따라 달라질 수 있습니다.

여러 옵션을 비교 검토하고 자신의 특정 상황에 가장 적합한 것이 무엇인지 고려하는 것이 중요합니다.

제목이 마음에 드셨다니 다행입니다! 하지만 저는 텍스트 요약을 도와드리기 위해 왔다는 점을 분명히 말씀드리고 싶습니다.

요약해 드리고 싶은 텍스트를 알려 주시면 기꺼이 도와드리겠습니다.