Anonymous
Post 09/11/2025 06:45     Subject: Cash Heavy -- What to do?
Ladder 250k into 3-4 cd accounts that are 1 or 3 years. Or if you really want accessibility do 6 months for each. Google cd return rates to find the better interest rates. Do one or two in your name and one or two in DH’s name. If you do more than one in your name put the accounts at different banking institutions to keep them FDIC insured.
Anonymous
Post 09/10/2025 22:15     Subject: Cash Heavy -- What to do?
Anonymous wrote:My advice is take around 200K of that and send it to me so I can help pay off my moms house and dads medical bills. I’ll use the rest to buy food for my little kids. And then go live your rich life.


What's your address?
Anonymous
Post 09/10/2025 21:51     Subject: Cash Heavy -- What to do?
You have guaranteed annual income that more than covers your living expenses for the next 10 years, do i have that right? What in the world do you need all this cash for?
Anonymous
Post 09/10/2025 21:40     Subject: Cash Heavy -- What to do?
My advice is take around 200K of that and send it to me so I can help pay off my moms house and dads medical bills. I’ll use the rest to buy food for my little kids. And then go live your rich life.
Anonymous
Post 09/10/2025 21:19     Subject: Re:Cash Heavy -- What to do?
FFS, just determine your stock/bond allocation and rebalance once a year. It sounds like you have more than enough money, so trying weird strategies with a small percentage of you portfolio is just a waste of time and likely sub optimal.
Anonymous
Post 09/10/2025 21:09     Subject: Re:Cash Heavy -- What to do?
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:We keep about 2-3 years of our annual spending in cash accounts so that if there is a correction we are not selling into it. The rest of our investing is in equities, private equity and bonds. We are retired and my husbands deferred comp ended last year after five years and about $800k a year. Our social security, pensions and now required IRA distributions totals around $400k a year so and instead of reinvesting all of our dividends we pull out $25k per month.


OP here. So do you think we should keep about $1M cash and invest the rest? Start now with $50K a month now? Or should we wait?


Not PP. This is a personal decision. You said before you are 60% equities. So is your 40% in fixed income assets? If equities tanked, would you have enough funds to last you for a good amount of time? What’s your comfort level of time? We’d like between 3-4 years of funds, that’s our choice. If that was your choice as well and your yearly expenses were 300k, you should have 1.2M in fixed income assets (which includes cash). This is basic stuff and I’d think your CFP would have this factored into your portfolio.


Really you want a little more in fixed income. If equities tank, you sell some bonds and buy the now discounted equities. That gives you more ways you can conver your nut and also leave some assets for your heirs.
Anonymous
Post 09/10/2025 15:09     Subject: Re:Cash Heavy -- What to do?
Keeping some cash for personal comfort makes sense. If you are going to do that, then I would strongly suggest putting at least some of it into as many FDIC insured accounts as is needed to maintain the FDIC insurance. Money market accounts are not FDIC insured.