Short and sweet, here are the deets –
Liquid assets:
$25k in bills checking, no interest
$28k in savings at 1.25% apy
$16k in rent account (checking, no interest, just pays my rent with six months’ leeway if things should go south and I lose my entire income)
$195k annuity account through my union, plus 10 years of vested pension credits
401K is not an option, since I freelance through the union, so pension/annuity contributions are based on contracts and not personal contributions.
I have no kids, no mortgage, no student or car loans. I’d love to get insight about how to better appropriate the liquid assets I have, or what I could safely sock away into a CD or something else? I’m very new to the idea of investing but I also don’t want to shoot myself in the foot if some emergency happens down the line.
I’d appreciate any and all help, or references to material… I’m honestly out of my depth here because I am finally not living paycheck to paycheck, and I feel like I could use the funds not strictly allocated for a better purpose than numbers on a screen. Much of my decision-making has been catastrophe-avoidance, but I feel like I’ve finally reached a point where I *have* that and can count on it, so if I can help my future self out by investing some of the excess now, I’d like to. I just don’t know how.
What are the goals for the $28k in savings? Maybe you can put some of that to work in the stock market if you don’t have near-term plans for it.
If you’re self-employed/freelancer you should be able to get a Solo 401k:
https://www.investopedia.com/ask/answers/100314/do-i-need-employer-set-401k-plan.asp
Why is your savings only at 1.25%? Ally is at 2% last I looked. Is your pension + social security (assuming you’ll get it?) going to cover your living + insurance + prescription drug expenses in retirement?
Look into CDs (can get 4% for 1 year through Fidelity), I-bonds (currently yielding 9.62% annualized although that changes every 6 months).
I personally think you are holding too much cash unless it’s savings for a house. I would put 25k in checking in ibonds and a brokerage account to buy more ETFs. Have you looked into opening an IRA? You didn’t mention your age but I am assuming you have calculated your investments so you will be comfortable in retirement.
Short term treasuries and I-bonds is what I would do . Then I would start getting educated on the stock market or real estate. Keep saving and make your money work. I say this with $230,000 in a savings account right now because our trust/will is being done and lawyer said it’s a pain to get bonds into a trust so he thought best if I waited until that was done. It’s supposed to be done in October. We already have some in the stock market. Next is real estate.
mathematical optimization for cash:
1. emergency fund
2. 401k match 4-6% (100%ROI)
3. Pay off High interest rate debt
4. Save to invest (business/rentals/index funds)
5. Increase retirement investing
6. Pay off Low interest rate debt
Seems you are in the increase investing stage.
You have $70k cash.
Ask yourself when is the last time you had an emergency and how expensive it was?
With a stable income, 3 months of your essential expenses is enough in case of job loss. The rest should be invested to grow at a faster rate than you can save. If you were to invest 50% of your income into an index fund you should be able to retire in roughly 10 years.
I recommend listening to podcasts or YouTube for inspiration and motivation. Bigger pockets money and the money guy show.
legitimate online pharmacy uk
amoxicillin india
glucophage cheap
viagra 10mg price
suhagra 100mg buy online
ivermectin 6mg tablet for lice
where can i buy toradol
toprol 25mg australia where to buy toprol toprol cost
prozac 2017
super avana online
buy cephalexin online canada
ciprofloxacin 250 mg tabs
motilium over the counter canada
prazosin generic
foreign pharmacy online
avodart price usa
[url=https://albendazole.cfd/]buy albendazole on line[/url] [url=https://tadacip24.com/]tadacip 5mg online[/url] [url=https://acyclovir.guru/]acyclovir zovirax[/url]
430 mg baclofen
lexapro 10 mg buy online
buy modafinil online canada
gabapentin 20 mg
buy lasix over the counter
retino 0.025 cream
[url=http://clopidogrel.life/]plavix 300 mg cost[/url]
zovirax cream price india
plaquenil osteoarthritis
sildalis in india
valtrex valacyclovir
cozaar brand name
prazosin capsules
feldene gel over the counter
cozaar 10mg
tetracycline over the counter uk
albenza 400 mg
average cost of metformin
How do you feel taking it is it safe to take lasix while pregnant Jha, Christopher T
plaquenil medicine
seroquel from canada
bupropion 100 mg cost
cafergot 1mg 100mg
azithromycin for sale canada
how to purchase viagra online in india
buy dexamethasone uk
zovirax cream
phenergan 20 mg
1988 prozac
modafinil uk paypal
provigil 100mg
strattera 60 mg
lasix 40 mg buy
albendazole medicine 1mg
amoxicillin tablet
furosemide 40 mg diuretic
buy prozac online canada
acyclovir 300 mg
can you buy viagra over the counter in south africa
zovirax 200 mg price
baclofen 10 mg tablet 1mg
seroquel 200 mg tab
ampicillin 1g
valtrex price in india
clindamycin cost
silagra india
my canadian pharmacy
bactrim canada
feldene drug
zofran tablets buy online
albenza cost generic
fluoxetine 8 mg
neurontin 300 mg coupon
generic avodart from india
avodart online paypal
clindamycin 300 mg tablet price
can you buy diflucan over the counter in mexico
how to buy prozac online without prescription
tops pharmacy
buy erythromycin online canada
keflex 50 mg
drugstore com online pharmacy prescription drugs
cymbalta buy online uk
generic avodart no prescription
120 mg dapoxetine
[url=http://fluconazole.life/]where to buy diflucan 1[/url] [url=http://fluconazole.site/]where can you get diflucan over the counter[/url]
legit pharmacy websites
dexamethasone 5
modafinil tablet price in india
furosemide 2018
buy ivermectin canada
can i buy dapoxetine over the counter
cozaar 50 mg
effexor over the counter
erythromycin topical gel
clindamycin cream prescription cost
celexa coupon discount
metformin 20 mg
rx pharmacy online
amoxicillin 1g tablet
drug tetracycline
cheap baclofen
amoxicillin 500 mg tablet
can i buy vermox over the counter
where to get atenolol
terramycin powder for bees
chloroquine tablets australia
tadacip 20 price in india
gabapentin capsules
buy cheap doxycycline online
clopidogrel 75
canadian pharmacy provigil
tenormin coupon
buy baclofen canada
can you buy albenza over the counter
tamoxifen tablets brand name
effexor 75 mg price
buy dapoxetine australia
buy tamoxifen australia
cozaar brand name cost
Kredit 5000 Euro
amoxicillin 125 mg tablet
cost of levaquin
erythromycin in usa
how much is zofran
mebendazole tablets
suhagra online order
buy plaquenil in india
order generic viagra from canada
[url=http://levaquin.xyz/]levaquin drug[/url]
tadalafil 40 mg online
retino 0.25 cream price
[url=http://suhagra.click/]suhagra 25 mg price[/url] [url=http://silagra.icu/]silagra 100 uk[/url]
where to buy furosemide
buspar 30 mg daily
tizanidine 4mg for sale
canadian pharmacy viagra 100mg
prednisolone medication
levaquin cost
generic doxycycline 200 mg
[url=https://modafinilx.online/]provigil nz[/url]
inderal 160 mg
buspar 10mg tablets
lasix tablets uk
how to order modafinil online
prozac uk price
medication diclofenac gel
generic seroquel coupon
ampicillin 500mg price in india
generic atomoxetine
antibiotics levaquin
combivent inhalation aerosol
generic accutane online
best canadian pharmacy to order from
otc budesonide
levitra online canada
albendazole 200mg
combivent hfa
accutane 50mg
valtrex without prescription us
lyrica 2.0
voltaren 10 mg
tamoxifen pills for sale
strattera 18 mg cost
online pharmacy delivery delhi
metformin 3115
tretinoin 005
otc metformin
fluoxetine 20 mg pill
generic clomid for sale
buy lasix without a doctor’s prescription
where to get tretinoin
tetracycline cream uk
metformin cost mexico
generic antabuse online
best price for tadalafil 20 mg
cheapest price for retin a
zovirax 800 cost
viagra prescription usa
cheap viagra online uk
costs of lexapro
clomid 2017
acyclovir prescription pill
buy metformin us
15 mg cymbalta
dexamethasone 0.75 mg tablet
where to buy retin a cream in australia
buy cymbalta 30mg
cymbalta rx coupon
zoloft 213
25 retin a
lexapro 20 mg price in india
can i order clomid online
buying combivent online
augmentin 500mg
tadalafil generic 5mg
where can i buy fluoxetine online
hydroxychloroquine coupon
acyclovir cream over the counter
buy modafinil online cheap
retin a canada price
generic prozac online
diflucan canada
prednisone 2.5 mg cost
retin a gel 0.01
seroquel coupon
lisinopril from canada
synthroid 112 mcg india
sildenafil 50mg for sale
gabapentin 2018
buy lasix online
buy retin a from mexico
where to buy lisinopril
canadian pharmacy tretinoin
anafranil depression
bactrim ds online
buy strattera online pharmacy
tretinoin 0.25 cream uk
mexico clindamycin
tetracycline prescription
nitrofurantoin 100mg brand name
sildenafil 200mg
brand viagra 50 mg
propecia over the counter
acyclovir 98034
acyclovir prescription canada
ventolin 90 mcg
how to get nolvadex in canada
buy stromectol online uk
strattera prescription uk
advair diskus in india
amoxil discount
plavix price
where to buy modafinil australia
accutane 60 mg
bactrim ds without prescription
viagra/canada
diflucan rx online
cheapest modafinil price
gabapentin pharmacy
buy valtrex online usa
cost of accutane canada
buy generic viagra online canada
synthoid
prednisolone 25mg tablets cost
prednisone 40 mg rx
buy accutane 5mg
zyban otc canada
levitra prescription canada
xenical online pharmacy
lexapro pills
zofran cost canada
lipitor 2018
buy trazodone online canada
levitra buy
dapoxetine uk buy online
order lexapro
levitra mexico pharmacy
lowest price lipitor
buy generic dapoxetine
how much is neurontin
[url=http://buyadvair.life/]advair 250 50 mg[/url]
900 mg lyrica
buy clindamycin cream online uk
where to get zofran cheap
sildenafil online europe
brand name prednisone
how much is abilify in canada
generic valtrex online without prescription
buy generic plavix online
clonidine 0.1 mg pill
trust pharmacy
singulair medication
allopurinol prescription uk
buy noroxin
allopurinol 100 mg buy uk
allopurinol rx
azithromycin tablets price in india
plaquenil 20 mg
online pharmacy same day delivery
buy sildalis 120 mg
where can i buy prozac
generic lipitor 20 mg
diflucan rx
buy erythromycin us
female viagra without prescription
how to order retin a from mexico
sildalis 100mg 20mg
cost of metformin
can i buy allopurinol online
antabuse no prescription
cheap scripts pharmacy
retino 0.05
furosemide tablets uk
generic albuterol no prescription
biaxin drug
how to order clomid
combivent for sale
nexium 20mg prescription
no rx avana
metformin buy online
cost of tretinoin 0.05
prozac over the counter uk
citalopram online prescription
where can i buy clonidine
buy female viagra uk
yasmin best
nolvadex 20mg for sale
how to buy viagra online in australia
drug flagyl
lopressor tablet
generic dapoxetine
citalopram 20mg pill
gabapentin for sale
where can i where to buy cafergot for migraines
nolvadex australia
australia online pharmacy viagra
antabuse where to buy
aurogra 100 for sale
where can i buy nolvadex in south africa
dipyridamole brand name
synthroid 1
cleocin suppositories
metformin 25 mg
voltaren over the counter australia
how much is ciprofloxacin 500mg
tamoxifen discount
diflucan for sale online
cost of lipitor in canada
motilium canada
generic propecia cost
clonidine 0.1 mg tablets
buy clindamycin 500mg
keflex 250 mg tablets
alli usa
average price of cialis daily
retino 0.25 cream price
generic plavix price
provigil how to get a prescription
nexium 400 mg
generic benicar
fildena 100 mg price in india
retino
where can i buy nexium in uk
retino 0.25 cream price
albuterol price comparison
metronidazole 500 mg
clopidogrel tablet
elavil 25 mg price
cymbalta 30
buy generic provigil
tadalafil from canada to usa
atarax cream price
arimidex pills buy
endep 10mg price
levitra canada rx
People did not have to be healthy to be in the trial, and having a pre existing condition hasn t had any effect on vaccine efficacy or side effects thus far can i buy priligy in usa We do not have any fertility benefits with our insurance
viagra boys welfare jazz At the maximum infusion rate of 0
hooked up a few years ago levitra prix en france Withhold Retevmo for at least 7 days prior to elective surgery