Stock Talk · by Thandi Mokoena · 2026-09-21

should I sell stocks if I might need a house deposit in 2 years?

This is the first time my vague long-term plan has collided with a real-life timeline. Some money is in broad ETFs, some in a couple random stocks from my learning phase. If I may need the cash in roughly two years, should I already be de-risking?

Not asking for certainty, just how you'd think about that horizon.

15 sparks · 5 comments

Comments

Lucas Silva · 6 likes

Yeah the 'sleep' part is hitting me harder than the math part

Priya Nair · 5 likes

The random learning stocks are the easiest call for me. house money should not depend on your old experiments

Avery Johnson · 4 likes

I derisked over six months before my apartment purchase and slept way better.

Maya Williams · 0 likes

This is less about expected return and more about how wrecked you'd feel if the market picked that window to be awful.

Kanya Srisai · 0 likes

Two years is not long in stock-market years. I'd personally get boring fast.