2 years out of business school, $200k in cash. Half of it is a 7% interest earning account in a somewhat risky geography, the other half is in a 3% account in a much less risky geo. There’s around 15k

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Wait, you just have it in cash and cash equivalents? Obviously buy index funds, e.g. VTSAX and VBTLX.

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Sell 1 VOO JAN18'19 PUT @ 2-5% below the money.

Repeat each month until all cash invested.

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You’re so smart

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7702... safer than 401k, and tied to an index with a downside guarantee of never losing money on a down market. Also, any and all gains from this are tax free! Send me a burner and I’ll connect you to my financial mentor if you want to know more.

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On top invested with a robo advisor as a way to get my feet wet. I finally figured out a system where I can comfortably tuck away anywhere between 5k and 7k a month. Which I’m currently using to build an emergency account, which will be done in about 3 months. Not sure how to use those savings afterward. I have a strong aversion to buying any kind of real estate (personal and family history/ location reasons) and am happy to continue renting for at least the next 10 years. Thoughts? Much appreciated
P.S. pension fund is not part of this, and I don’t have a way to contribute more to the pension program as the geography I am in runs by different rules than the US. I treat all my savings as retirement plan

What do you do with 200k in cash and a steady saving rate of 7k per month

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