Need advice. 44 single female with 250k cash in bank, 140k in 401k, 15k in CD with 2.25% interest and 200k home mortgage. My taxable income is 230k with bonus. Have opened a trading account in (contd

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How about VTSMX or VTI?

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VNQ and VIG are also good options

Out of curiosity, why does being on an H1 require extra cash liquidity? In case the work here stops on short notice and you need to return home and float yourself until you can find a new job? How long would the $15k in CDs last you?

I personally would move the CD cash into the Vanguard money market fund, as it becomes available. Rate is a little lower, but you would have immediate access to the cash if you need it. I would then invest the other cash in a broad based index mutual fund, like VTSAX (total stock market) or VFINX (S&P 500). I would not pay off the mortgage early assuming it was below about 4.5%, as a) market returns will generally exceed the the mortgage interest rate and b) money tied up in your house is the least liquid of all. (I am personally planning to pay off my mortgage in a lump sum when i retire early, to minimize my monthly expenses I need to cover, but since you're in a visa I'm not sure that same consideration applies.)

250k is a lot to just be sitting in a bank account, probably losing money yearly to inflation. But the flip side is that the stock market valuations are also relatively high at the moment. Depending on your US investing time horizon, you'd need to decide how much to invest vs keep idle. Good luck!

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Thats a lot of cash, why not either pay off the house or put into vanguard total market index

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Debt is bad and should pretty much always b the first thing you put your cash towards imo

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Just throw it in broad ETFs. VTI or VOO will follow the overall market well.

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Vanguard but yet to start any trading or investment. Looking for investment with medium risk appetite. Am on H1 hence need some cash liquidity

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