I asked a question along these lines before but thought I’d rephrase w/ detail.
I have money in a CD through Navy federal, took advantage of 5% return for 15months - it’s up in May. Money in an investment account with vanguard that is split between a mutual fund vmfxx and efts (VTI, VXUS, BND, BNDX) and a long term Bond (BLV). Lastly, I have my tsp split between C/S. The mutual Fund is my emergency fund. Should I move any of this money around? Like I see a lot of people have Roth IRAs, which I was considering opening with vanguard and moving my CD to there. Should emergency fund be sitting somewhere else? Would save me a lot of heartache during tax season.
Edit: my vanguard account is a money market account with a mutual fund, ETFs, and bonds. To who ever corrected me last time I probably still didn’t explain the vanguard account right.
I have money in a CD through Navy federal, took advantage of 5% return for 15months - it’s up in May. Money in an investment account with vanguard that is split between a mutual fund vmfxx and efts (VTI, VXUS, BND, BNDX) and a long term Bond (BLV). Lastly, I have my tsp split between C/S. The mutual Fund is my emergency fund. Should I move any of this money around? Like I see a lot of people have Roth IRAs, which I was considering opening with vanguard and moving my CD to there. Should emergency fund be sitting somewhere else? Would save me a lot of heartache during tax season.
Edit: my vanguard account is a money market account with a mutual fund, ETFs, and bonds. To who ever corrected me last time I probably still didn’t explain the vanguard account right.