I am retired and drawing RMD but do not need it for living
expenses.Portfolia 85% ( 80% pre tax; 5% Roth) mutual funds, 15% cash
most in savings account at 5.15%. Three years ago reduced my
investments in bond funds and increased in small-cap and real
estate.The later two have grown substantially and now is 35% of the
portfolia and bonds 5%.
My question; Do I increase the investment in bond funds or to savings?
Any suggestions appreciated.
expenses.Portfolia 85% ( 80% pre tax; 5% Roth) mutual funds, 15% cash
most in savings account at 5.15%. Three years ago reduced my
investments in bond funds and increased in small-cap and real
estate.The later two have grown substantially and now is 35% of the
portfolia and bonds 5%.
My question; Do I increase the investment in bond funds or to savings?
Any suggestions appreciated.