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.
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