Anonymous wrote:Tempted to do this in case the country hits its debt ceiling and things aren't resolved.

They will be resolved. The leading Republicans know this, but the noise is to buy leverage at the negotiating table.
The debt is supposed to get incredibly worse over the next 50 years, so we still need to address the deep economic factors causing it.

The s&p is up 8% ytd

Anonymous wrote:With savings accounts getting 4-5% (or will soon), is anyone taking money out of stocks and putting it into high interest savings accounts? Or CDs? Our stocks aren't making much (3.3%), plus they are obviously more risky. Is this a dumb thought? DH and I are amazed at how much in interest we're making on our savings accounts monthly.

No

No, buying opportunity for us. I believe in "set it and forget it"... have $2M+ in stocks across 401K, Roth, 529 and brokerage. Still more than a decade away from retirement, and then will use phased withdrawal plan. I may move some of the 529 to cash like instruments.. when my kids are 2 years away from college

Tempted to do this in case the country hits its debt ceiling and things aren't resolved.

Are your equities down? why realize the loss?

Anonymous wrote:With savings accounts getting 4-5% (or will soon), is anyone taking money out of stocks and putting it into high interest savings accounts? Or CDs? Our stocks aren't making much (3.3%), plus they are obviously more risky. Is this a dumb thought? DH and I are amazed at how much in interest we're making on our savings accounts monthly.

No, we're not doing this. We don't have any savings accounts, we have a few million in stocks, and we add what we can to buy more stocks.

How do you calculate that your stocks are "making 3.3%"?? Since I started investing 20 years ago, the "markets" have shown great returns on average, certainly more than 3%. Last year it was down like 20%, iirc. This year (YTD) I guess I'm up about 7%.

Stocks go up, and they go down. But they mostly go up. If you're investing for the long term, you don't want to be in savings accounts. If you need to make a tuition payment in a year, that's a different story.

But where do you get this "they are making 3.3%"?

Anonymous wrote:Yes, I sell my stocks when they hit a 30% return. I put the sale proceeds into savings so my money sits where it's less volitile.

That's mind-bogglingly stupid.

No, as you shouldn’t be investing any money in stocks where you care about the anual rate for an particular year in the first place. Personally I’m not putting anything into stocks that I am not ok ignoring for at least 10 years.

Now, reallocating where my income goes? Yeah I’ve been diverting a higher percentage to my hysa. But that’s mostly knowing I probably need to make another house purchase in the next 2-5 years, so I need it truly liquid. But I’m not selling stocks.

Yes, I sell my stocks when they hit a 30% return. I put the sale proceeds into savings so my money sits where it's less volitile.

Anonymous wrote:With savings accounts getting 4-5% (or will soon), is anyone taking money out of stocks and putting it into high interest savings accounts? Or CDs? Our stocks aren't making much (3.3%), plus they are obviously more risky. Is this a dumb thought? DH and I are amazed at how much in interest we're making on our savings accounts monthly.

Based on the bolded, you should take all of your money out of stocks since you don't have the faintest idea how they work.

Anonymous wrote:With savings accounts getting 4-5% (or will soon), is anyone taking money out of stocks and putting it into high interest savings accounts? Or CDs? Our stocks aren't making much (3.3%), plus they are obviously more risky. Is this a dumb thought? DH and I are amazed at how much in interest we're making on our savings accounts monthly.

You have to think of stocks as a long haul investment--they will tend to overperform cash by far. Cash equivalents don't even keep up with inflation (that's why there are high interest rates, the fed has been increasing them to tame inflation, but they still lag). So, no, I keep the stock positions and cash positions that I've determined are right for my asset allocation without regard to current earnings or current interest rates.

Garbled sentence: annually, my stocks have made well over that interest rate.

Given that my stocks have made well over annually that over the many years I've had them, no, that would be crazy. If there's a crash, I will still come out ahead of a savings accounts. I buy and hold very long term.

Buy low, sell high. It sounds like you'd be selling at the low. I can't say whether you picked the right stocks, of course.

With savings accounts getting 4-5% (or will soon), is anyone taking money out of stocks and putting it into high interest savings accounts? Or CDs? Our stocks aren't making much (3.3%), plus they are obviously more risky. Is this a dumb thought? DH and I are amazed at how much in interest we're making on our savings accounts monthly.