{ "media_type": "text", "post_content": "I have 60k in Cash (High Yield Savings and Checkings accounts). And 60k in Investment Accounts (401k, IRA,Taxable, Etc). Have 2 investment properties. I’m 25, should I be more diversified? I want to make sure I’m capitalizing on my cash as much as possible. Should I be putting more into the Markets in stead of having so much cash?", "post_id": "5fb0a16ffbce460023ed9138", "reply_count": 30, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

I have 60k in Cash (High Yield Savings and Checkings accounts). And 60k in Investment Accounts (401k, IRA,Taxable, Etc). Have 2 investment properties. I’m 25, should I be more diversified? I want to make sure I’m capitalizing on my cash as much as possible. Should I be putting more into the Markets in stead of having so much cash?

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I would put more into the markets. Maybe only keep 20-30k in a high yield savings account. But otherwise, sounds like your doing well!

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You have covered the basics by having the type of accounts. Now you should try using the market as a short to mid term investment option. Instead of having so much cash - use an individual brokerage account to test riskier growth stocks so you can increase short term returns and make more to spend more before retirement.

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Wire me $50k and I will double your money

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Share your work email

Bitcoin.

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^ They get it.

Can we stop calling them High Yield Savings Accounts? They are anything but. But I agree with C1, I would lower cash and put more into the markets if you don’t need it immediately.

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Capital one reduced their rates dude. Check your accohnt

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High yield savings account 😂😂 bruh what is the interest rate .05% per annum? Put it in the market 📈📈

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I keep $10k in cash and $100k in stocks. Market too great to sit on cash

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VTSAX, BABA, TWLO, NIO, APPL, MSFT

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It’s AAPL

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How TF you already have two investment properties at 25.

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It’s in GA, the 1st house was in an area of the city people would consider “ghetto” but was up and coming and increased in its value very quickly with some minor upgrades. These other 2. The 1st is in the suburbs in an area that is increasing in value and the 2nd is in a location just outside the city. So I would say LCOL -> MCOL

Y’all, need to stop yelling at OP for the 60k. They have two properties and need an emergency fund. Maybe not 60, but something substantial.

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You’ve got too much in cash sitting in savings account that is losing you money due to inflation. That’s where I would start.

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