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Message
House closing soon: what to do with cash?
Posted on 6/4/26 at 10:36 am
Posted on 6/4/26 at 10:36 am
Selling the Boston rental and closing in a week. Our current home is at 5.25 arm for another 5 years so not super worried but hearing rates going up so hard to invest. Are you guys parking cash in high yields for now?
Alternatively we’re thinking a second home with a cooling market near us, but that seems like a massive headache
Alternatively we’re thinking a second home with a cooling market near us, but that seems like a massive headache
11
Posted on 6/4/26 at 10:47 am to fareplay
quote:
fareplay
Keep it on the sidelines. Market crash incoming soon.
Posted on 6/4/26 at 10:51 am to HogPharmer
This is my pov. All this is house of cards
Posted on 6/4/26 at 10:57 am to fareplay
Definitely don't put it into the market like your EJ guy told you a year or so ago
This post was edited on 6/4/26 at 11:47 am
Posted on 6/4/26 at 10:59 am to fareplay
quote:
My financial advisor is saying to wait this out a couple months before putting more money in. These guys make money off my assets and telling me not to invest, it ain’t over.
Posted on 6/4/26 at 11:35 am to fareplay
Put it on black?
Posted on 6/4/26 at 11:43 am to HogPharmer
Posted on 6/4/26 at 12:17 pm to fareplay
Can the cash pay off your current mortgage?
Posted on 6/4/26 at 12:28 pm to mylsuhat
No
Posted on 6/4/26 at 12:55 pm to fareplay
Why are you even asking us, as you are the most gifted investor here. We seek you out for advice.
S&P rose 2.6% from 7/18/25 to 8/29/2025. Perfect call to make 0% gains staying in cash
quote:
fareplay
Are we all holding cash till august?
Posted on 7/18/25 at 10:50 am
Portfolio up 10% ytd which seems insane and not sustainable. Thinking of parking cash now till august to see what will happen.
S&P rose 2.6% from 7/18/25 to 8/29/2025. Perfect call to make 0% gains staying in cash
Posted on 6/4/26 at 2:02 pm to fareplay
You're just missing your money away by putting it in the market.
Put it all on Renegade to win this Saturday. Instant doubling of your money.
Put it all on Renegade to win this Saturday. Instant doubling of your money.
Posted on 6/5/26 at 5:38 am to fareplay
I'm a bit more conservative in my approach.
I would set aside the cap gains and not touch it til tax time (at most, putting into a high yield savings account to generate at least a few extra bucks). The rest I would pay down any debt you have and invest.
I would set aside the cap gains and not touch it til tax time (at most, putting into a high yield savings account to generate at least a few extra bucks). The rest I would pay down any debt you have and invest.
Posted on 6/5/26 at 7:04 am to fareplay
quote:
Selling the Boston rental and closing in a week. Our current home is at 5.25 arm for another 5 years so not super worried but hearing rates going up so hard to invest. Are you guys parking cash in high yields for now?
Alternatively we’re thinking a second home with a cooling market near us, but that seems like a massive headache
We've had a number of rental properties over the year. Have sold most by now. Eventually, you "Pay The Piper" with depreciation recapture, capital gains, and if you're on Medicare, potential IRMAA (Medicare's Income-Related Monthly Adjustment Amount) surcharge (a maximum penalty of $578.00 per month per person (or $6,936.00 annually).
1. Consider a 1031 Exchange? I've got a good friend that has a lot of rental properties and this is what he's doing. Lets you defer 100% of your capital gains and depreciation recapture by rolling the full, untaxed proceeds into another like-kind property. Instead of losing a big chunk to taxes. Downside is you're still in the "landlord business" and subject to those headaches and market fluctuations.
2. Just "Keep Your Powder Dry". With the Fed holding higher for longer, look at short-duration instruments — 3–6 month T-bills, in the range (3.6% and 3.8%) with essentially no duration risk. My Fidelity Money Market is 3.23%. That gives you optionality while the real estate market continues to reprice.
3. Open an investment account (like Fidelity). Put in the Money Market fund to start with. Keep the bulk liquid if you know you’ll need it. 70–90% maybe. Allocate and weekly Dollar Cost Average (DCA) a small portion to broad U.S. type equity index ETFs. (10–30%) like SCHG, FXAIX, CDGV.
4. Obviously talk to a financial advisor and tax accountant on all of this!
Posted on 6/5/26 at 7:38 am to fareplay
Put equal amounts in the Mag7.
Posted on 6/5/26 at 7:38 am to fareplay
Buy a vacation home with cash.
Posted on 6/5/26 at 8:20 am to fareplay
10% tithing plate
10% hookers & blow
75% SPCX
5% roll it up tight and boof it
10% hookers & blow
75% SPCX
5% roll it up tight and boof it
Posted on 6/5/26 at 9:09 am to KWL85
What is this even for? Can’t imagine going to same place for vacations
Posted on 6/5/26 at 9:10 am to fareplay
Some in VOO
Posted on 6/5/26 at 11:26 am to fareplay
We bought a lake house is we hire frequently. No regrets.
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