kathanto wrote:3. Is there a way I can invest that will get my AGI below 35k?
kathanto wrote:2. Why should I buy any bonds when bond interest rates are below inflation? I read the posts discussing Malkiel's alternatives, but I didn't really understand them.
kathanto wrote:1. What should I do with all my cash? Ally has close to the best rates out there, and it is quite low. I'm probably going to buy a house in 5-10 years, so I want to be earning interest but still be able to access it.
kathanto wrote:Thanks for the response, PJW!
kathanto wrote:I will definitely look more closely at what I would need to do to get my AGI below 35k by upping my 403(b) contribution. I don't think it should be too hard, since I already live pretty far below my means as is.
Is the reason not to invest funds I want to use in 5-10 years to avoid the risk? I will research series I savings bonds.
kathanto wrote:Does anyone have recommendations about my 403(b)? There are some lower expense ratio total market funds that I could buy, but I'm still a little hesitant to just do it.
Yes, if you're only looking at a few years stocks are entirely inappropriate; and I was trying to keep my comments within your stated comfort zone
Then I wasn't clear enough about my comfort zone. ...
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