Search found 2 matches

by SSSill
Fri Oct 21, 2016 8:16 am
Forum: Personal Investments
Topic: Considering Life Insurance Overfund as Short-Term Investment
Replies: 20
Views: 3334

Re: Considering Life Insurance Overfund as Short-Term Investment

James, I implemented a similar strategy as I got myself into a Guardian WL policy that I have been overfunding. To echo an earlier comment technically Guardian has approx. 6 month before they need to issue a payment, although more than likely it would be 2 weeks. My Emergency Fund = 9 months of living expenses, tier 1 (3 months of cash reserves) / tier 2 (WL + short term Muni) / tier 3 (Interm-muni ) Cash in High Interest Savings (GSachs Bank) WL Cash Value: Guardian Vanguard Short-Term Tax-Exempt Fund Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares As my cash value builds up I will probably reduce intermediate term muni allocation although I'll never touch the 3 months of cash sitting in a high interest saving account.
by SSSill
Wed Jun 29, 2016 9:43 am
Forum: Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 14
Views: 3803

Re: Rebalancing template/spreadsheet

SSSS- Thank you for posting, you are making my life easier : )

Are you placing your fixed income + REIT assets in your ROTH IRA while having the others in brokerage?