ETF vs savings for 3 years: what’s the better option?

At 3 years, ETFs can still be risky, but may be okay if your goal date is flexible. Compare scenarios.

3-year horizon: a middle ground

If your goal date is fixed, savings is often safer. If you can delay your goal, investing may be an option.

Is an ETF always better than savings?

No. Savings is often safer for short timelines and emergency funds. ETFs may be reasonable for long horizons.

What timeline suits ETFs?

Many people prefer 5+ years, but it depends on volatility and your flexibility.

How do I compare properly?

Use the same contributions and timeline in the ETF vs Savings calculator and compare outcomes.

Does this include tax/fees?

No. Treat results as estimates and use conservative assumptions.

What’s the simplest next step?

Run a conservative savings scenario and a conservative ETF scenario, then compare.