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paynetrain37 t1_ja5zgoi wrote

You’re going to take on a 30 year mortgage but you can’t handle the equity fluctuation over 6 months? You shouldn’t be buying a home then. Or at least, you should have waited 6 months if you’re so confident in this prediction of yours.

You don’t need to try to outsmart the system. Just put your money in a HYSA, be happy with the home you get, and stay in it long enough that you build enough equity to where a little 6-month swing in equity won’t be that big of a deal.

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dkattir OP t1_ja607h1 wrote

>you should have waited 6 months if you’re so confident in this prediction of yours.

I'm not predicting anything. I want to build a portfolio wherein I don't lose overall. Please read the post again and my other comments. I can handle the fluctuation over next 6 months. I don't want to just "handle it" though. I want to protect my assets.

I'm certainly intending to stay long term, so like you said I should come out ok in the end. I'm trying to do even better than that. Thank you for your input!

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umrdyldo t1_ja7knbv wrote

Portfolios lose value unless you can predict the future.

Buy some long dated puts in the stock market if you really want to hedge against it

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