I have 160K in my savings account

Facebook Kjctnj
Oct 20, 2018 36 Comments

How can I appreciate this money with low risk?

I have some 90K in Charles Schwab robo advisor and 50K in checking account as emergency fund and I have 120K in 401K.

Should I invest this money in my existing Charles Schwab portfolio or should I directly invest in stocks or should I just keep it in current bank or should I keep it in high yield savings account like Ally bank?

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TOP 36 Comments
  • Google uhWE56
    VOO + AAPL + AMZN
    Oct 20, 2018 3
    • New DuQvV7x
      Iโ€™d hate to see what you consider medium risk
      Oct 20, 2018
    • Microsoft / Eng Travelson
      Medium risk: crypto
      High risk : poker, roulette, lottery tickets
      Oct 20, 2018
    • IBM TC:374k
      This guy gets it
      Oct 20, 2018
  • Yahoo xCWI25
    Porsche 911
    Oct 20, 2018 0
  • Oath / Mgmt Atinlay
    Donโ€™t keep that high of a balance in a checking account, at least put it somewhere with decent interest rates.
    Oct 20, 2018 0
  • Facebook / Eng
    hm๐Ÿ‘ป

    Facebook Eng

    PRE
    Amazon
    hm๐Ÿ‘ปmore
    VTSAX
    Oct 20, 2018 0
  • Google / Eng htbv654
    You want low cost index funds, try a total stock market one.
    Oct 20, 2018 0
  • Google seaswe
    25k in high yield online savings account , 25k in 12 month CD. Checkout Citizens Access Bank or Ally.

    60k in VOO. 30k in FDN.
    Keep maxing 401k

    Of course if you need the money in less than 5-10 years put it all in a CD or accept some level of risk.
    Oct 20, 2018 2
    • Red Hat
      quesera

      Red Hat

      PRE
      Google, Intel, Facebook, Apple
      queseramore
      FDN, +1
      Oct 20, 2018
    • Even if you need money from CD, you can withdraw loose about last 6 months of interest. Still better than stashing in checking
      Oct 20, 2018
  • Cisco Glasswall
    VWIAX
    Oct 20, 2018 2
    • Google / Eng htbv654
      The Wellesley funds are good, though they're active funds and also the focus on high dividend yields means more regularly taxable income.
      Oct 20, 2018
    • Cisco Glasswall
      True true
      Oct 20, 2018
  • b i t c o o o o n n n e e e e e c c c t
    Oct 20, 2018 1
    • Google / Eng htbv654
      R e s p o n s i b i l i t y!!!
      Oct 20, 2018
  • Mist Systems tXTR22
    https://www.allypaybacktime.com dump 100k into a penalty free cd for a few months for some very juicy risk free short term yields
    Oct 20, 2018 0
  • Unity preIPOgame
    Putting it in a vanguard target retirement date fund has consistently beat my wealth front returns by 3-4% every year
    Oct 20, 2018 0
  • Intel Magnetic
    Buy a studio?
    Oct 20, 2018 8
    • Intel Magnetic
      Check on redfin.
      Oct 20, 2018
    • Cisco / Design
      ChuckU

      Cisco Design

      PRE
      Intel
      ChuckUmore
      Can even buy townhome is super south bay
      Oct 20, 2018
    • Pinterest zhsusbsbe
      Prices are stagnant/dropping slightly in SF.
      Studios for 500K in SoMa
      I saw a 1br sell for 800K the other day.
      Oct 20, 2018
    • Intel Magnetic
      What is SoMa?
      Oct 20, 2018
    • Docker C3poSW3
      South of Market
      Oct 20, 2018
  • Oath / Mgmt Atinlay
    Did all you people fail home economics?
    Oct 21, 2018 1
    • Google seaswe
      Home economics is cooking and sewing lol
      Oct 21, 2018
  • VIMSX. Mid-cap stocks grow the fastest. they are past the infant mortality stage and they are too young for the big old company wear-out stage.
    Oct 21, 2018 1
  • Microsoft pkzip
    We're due for another recession and there's been a lot of volatility in the past year. Buy in on next crash or correction. With that in mind, it's nearly impossible to "time the market".
    Oct 20, 2018 0
  • Intel Magnetic
    What is CD?
    Oct 21, 2018 1
    • Unity preIPOgame
      Certificate of deposit fixed interest rate deposits
      Oct 21, 2018
  • Facebook fhaksoqbre
    buy fb
    Oct 20, 2018 0
  • Lyft blah001
    How is the robo advisor doing this year
    Oct 20, 2018 0