Hey guys, new investor here! I just recently started contributing to my fhsa, giving myself a 5 year timeline until I would like to purchase a home. In my FHSA, I have 60% of my money put into ZMMK and 40% into XBAL. I’ve read mixed reviews for XBAL for a 5 year timeline. Any advice would be greatly appreciated!!
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3 Comments
Levi Ewald@smallbird.financial · 9m
I like your plan here! As @jrohner said, XBAL can dip in a downturn quite a bit, but since it's only 40%, your overall portfolio won't get hit too hard! Another thing I like for this timeline is a bond fund like $XSB - that's what I'm using in my FHSA for a timeline similar to yours!
michael @mickcrane · 1hEdited
Hi Emily, take a look at the amount of times that the market has taken to return to previous highs are a crash the adverage is about 2 years. Your 22, dont let inflation catch up to you!
Julian Rohner@jrohner · 2h
$XBAL is definitely one of the less risky ETFs. I like it with $ZMMK at 60% in a FHSA. :) Just be aware, XBAL can still dip quite hard during a correction but the ZMMK should soften that a bit. Good luck ❤️
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