Most of our retirement money is in traditional IRA. Our AA is 40/60. Predominantly in FXAIX (Fidelity Index 500) as well as Vanguard VTTVX (2025 retirement fund) and some in Vanguards Municipal Bonds. The cash is in CD’s. As we all know the rates are non existent. As things are coming due we’re scrambling to figure out what to do.
We use Ally, TIAA and NFCU. Our question is do you split the money so you never exceed the $250k that is federally insured? This money, with a small exception was my husband’s 401k money so it can’t be in my name and split in these institutions. My own 401k money which was significantly less is in NFCU.
We keep 2 years of bills in a MM account. Thank you
We use Ally, TIAA and NFCU. Our question is do you split the money so you never exceed the $250k that is federally insured? This money, with a small exception was my husband’s 401k money so it can’t be in my name and split in these institutions. My own 401k money which was significantly less is in NFCU.
We keep 2 years of bills in a MM account. Thank you