How do you allocate your taxable account? in general, but curious the board's thoughts on my situation as well as others' situations
I am mid-20's with a "decent" amount of extra money in my Schwab account. I am thinking this money will be like a 2nd tier of the emergency fund: essentially general long term investing. Money comes in through a 10% payroll deduction and selling company stock when it vests.
I don't want to be as aggressive as I am with my retirement savings which is 100% stock. Many articles I've read suggest a high allocation to bonds. But these plans are back tested against 40 years of falling interest rates. That doesn't sound like the future to me.
one thought:
40% stock
40% cash or bonds (thinking cash here now since they say rate hikes coming)
20% gold / commodities
right now i am mainly in cash, bought a little VOO during one of the last big dips.
I am mid-20's with a "decent" amount of extra money in my Schwab account. I am thinking this money will be like a 2nd tier of the emergency fund: essentially general long term investing. Money comes in through a 10% payroll deduction and selling company stock when it vests.
I don't want to be as aggressive as I am with my retirement savings which is 100% stock. Many articles I've read suggest a high allocation to bonds. But these plans are back tested against 40 years of falling interest rates. That doesn't sound like the future to me.
one thought:
40% stock
40% cash or bonds (thinking cash here now since they say rate hikes coming)
20% gold / commodities
right now i am mainly in cash, bought a little VOO during one of the last big dips.