5 Years Or More... Now What? | Diy Money Video
In this episode of DIY Money, we answer a key listener question: What do you do when you're getting close to needing the money you've invested? Whether you're five years out from a big purchase or your timeline suddenly shifts, understanding how to de-risk and build a smart withdrawal strategy is crucial.
What you’ll learn 👇
📉 Why “five years or less, don’t invest” is more than a rule of thumb
⏳ How to shift your allocation as goals approach
💸 Why dollar cost averaging out of the market can reduce risk
🧠 The psychological traps of market timing
🔒 How to build a goal-based plan that aligns with your risk tolerance and time horizon
This episode is packed with insight for anyone navigating upcoming expenses like buying a house, funding a large purchase, or planning a cash need.
🎯 It's all about having a strategy, not reacting to market noise.
And remember, the secret to wealth is pretty simple: live on less than you make, invest the rest, and do so for a very long time. Make it a great one!
📬 Have a question? Send it in to [email protected] for a chance at a $25 Amazon gift card!
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DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
Quint Tatro, Daniel Czulno, CFP®, Logan Gilland, CFP®, and Allie Howard take a passionate look at everything money, including budgeting, savings, investing, stocks, bonds, debt, and more. For those that enjoy Dave Ramsey, Jill On Money, Smart Money, and BiggerPockets, it’s worth a listen!
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📌 Related Terms:
personal finance podcast, withdrawal strategy, time horizon investing, five year rule investing, dollar cost averaging, when to sell investments, de-risking investment portfolio, market timing psychology, how to plan for big purchases, financial goals investing, short term investment planning, investment allocation tips, CD vs stocks, treasury ladder strategy, DIY Money podcast, smart financial decisions, how to plan withdrawals, risk tolerance investing, goal-based investing, money management tips
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⏱️ Timestamps:
00:00 Introduction
03:05 Listener Question: Investment Strategies for 5-Year Horizons
04:27 Understanding Market Volatility and Dollar Cost Averaging
09:25 Setting Financial Goals and Adjusting Strategies
11:14 Market History
15:56 Goals and Allocation
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📝 Disclosures:
*This show is for entertainment and educational purposes only, and is not intended as personal financial advice. Before making any financial decisions, please do your homework and consult a financial advisor as needed.
