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Message
re: Emergency money account advice
Posted on 7/2/14 at 9:51 am to RolltidePA
Posted on 7/2/14 at 9:51 am to RolltidePA
I have all my emergency money in Vanguard's Wellelsey Income fund (VWINX). It's 40/60 stock/bonds. The risk is very low for the kind of returns it has generated over the years. For those of us with 5-6 figure emergency funds, this is a great option, much better than money market funds and savings accounts.
It's only had 4 losing years since 1980: 1.9% in 1987, 4.4% in 1994, 4.1% in 1999, and 10.3% in 2008. And it has generated over 10% in total returns since its inception in 1970.
If you want a good spot for emergency money, check it out.
It's only had 4 losing years since 1980: 1.9% in 1987, 4.4% in 1994, 4.1% in 1999, and 10.3% in 2008. And it has generated over 10% in total returns since its inception in 1970.
If you want a good spot for emergency money, check it out.
This post was edited on 7/2/14 at 12:00 pm
4
Posted on 7/2/14 at 10:01 am to Sigma
quote:
I have all my emergency money in Vanguard's Wellelsey Income fund
Same here. I like the nearly 3% quarterly dividend.
I was using an Ally savings account to score their competitive .87% rate (
) but decided to fully fund the Roth instead. Posted on 7/2/14 at 11:22 am to Sigma
quote:
For those of us with 5-6 figure emergency funds
Way to go buddy, you did it!
Posted on 7/2/14 at 11:44 am to Sigma
quote:
It's only had 4 losing years since 1980: 1.9% in 1987, 4.4% in 1994, 4.1% in 1999, and 10.3% in 1998.
Did it not lose ~17% in 2008?
Posted on 7/4/14 at 11:38 am to Sigma
quote:
I have all my emergency money in Vanguard's Wellelsey Income fund (VWINX). It's 40/60 stock/bonds.
Through a ROTH IRA or a regular investment account?
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