I have built up my emergency fund and have an additional 50k (separate) that I am debating on putting 60% toward VTI and 40% toward VXUS. The interest rate on my high yield savings account is pretty good at 4%. Is it worth switching this 50k over to VTI and VXUS? I'm worried about a crash within the next year but not sure if I'm just being paranoid.
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