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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We have about $800,000 split between a HYSA and a fidelity Money market. Both have been about a 4% yield. We are a high income tax bracket also. Where should we put this money so it is conservatively invested but we are not losing all returns to taxes in your opinion? [/quote] A conservative thing to do (there are many examples) is to take 50% and buy 10-year treasuries...you will earn 4.3% but avoid state tax. Take the other 50% and just buy an S&P index fund. The dividend yield on the S&P is 1.19% but taxed at 15%. It's hard to understand how define conservative. Clearly, the S&P index fund price will equate to daily movements in the S&P, and in theory your dividend yield will increase over time as companies grow and increase dividends.[/quote] Does this take into consideration the next few years under Trump or is it just advice in general?[/quote]
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