TLDR $150k in HYSA, best simple long-term investment for 40yo?
Had set aside $150k in HYSA for a home purchase, but for a couple reasons no longer looking to buy anytime soon.
I'm thinking something like:
$75k in a passive index fund with low fee like VTI and/or VXUS
$75k in a target date fund i.e. FRLPX, for more diversity
Thoughts? Thanks!