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What to DCA for the next 6 months
Posted on 11/11/26 at 8:47 am
Posted on 11/11/26 at 8:47 am
Most of my funds are in index funds. I have a little bit in speculative stocks and a little in the emergency fund.
What would you suggest for my discretionary investment dollars for the next 6-12 months?
What would you suggest for my discretionary investment dollars for the next 6-12 months?
Posted on 11/11/26 at 9:43 am to JperiodCperiod
Key parts to a financial plan:
- Objective for that money (?)
- Timeline - tick (6-12mos)
- Risk tolerance (?)
“A little in the emergency fund” sounds like the place to focus. Target 1-3 months of expenses with goal of up to 6-months. Put in money market or similar.
Value: life happens! Peace of mind, avoid credit use in emergency, can avoid expensive warranties (new vehicle purchases). It’s not always about capital gains!
- Objective for that money (?)
- Timeline - tick (6-12mos)
- Risk tolerance (?)
“A little in the emergency fund” sounds like the place to focus. Target 1-3 months of expenses with goal of up to 6-months. Put in money market or similar.
Value: life happens! Peace of mind, avoid credit use in emergency, can avoid expensive warranties (new vehicle purchases). It’s not always about capital gains!
Posted on 11/11/26 at 11:14 am to JperiodCperiod
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Posted on 11/11/26 at 11:17 am to Everyday Is Saturday
quote:
“A little in the emergency fund” sounds like the place to focus.
That’s the first thing I thought reading the OP as well.
I’m risk adverse, so I have 2 months of expenses in a HYSA that pays the bills and 9-12 months of expenses in laddered t-bills that can easily be liquidated in a month or two.
I know a lot of people put theirs in USFR, VTG or similar. That’s fine too.
Knowing I can pay my bills or cover a big expense while earning interest provides a lot of peace of mind.
Not to mention that I have a 24 year old A/C that I know will likely have to be replaced at some point.
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