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Home/Briefs/personal finance

BriefApril 16, 2026 · 02:42 AM

Selling investments for a home down payment reduces future returns

A home purchase provides long-term financial stability and appreciation. Ramit Sethi advised a couple in their mid-30s with $1.4 million in investments and $88,000 in cash savings to sell $100,000 to $200,000 of those investments to buy a home. Selling a portion of investments reduces the total principal available for future growth. For this couple, the reduction in future returns is negligible because of the substantial size of their portfolio. They remain on track to have over $10.6 million by retirement age even if they stop contributing.

Robin Harrington

personal financehome ownershipinvestment strategy

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