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BouncyEgg t1_j20cmgz wrote

You should decide on the purpose of the money and the timeframe.

If the use is within 12 months, Series I Bonds are inappropriate as the money is not accessible.

If the money is for use in 30 years, you really should consider investing in total market index funds.

Define the purpose.

Define the timeframe.

Give the money a purpose.

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[deleted] OP t1_j20dmzo wrote

[deleted]

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BouncyEgg t1_j20fj2t wrote

It's better to take all the money intended for retirement and treat it as one portfolio.

Then set an acceptable asset allocation commensurate with your risk.

If your asset allocation calls for a cash allocation, then sure, perhaps Series I fulfills this purpose.

But it does not sound like you have decided on an asset allocation yet and have more reading to do.

Goes back to giving the money a defined purpose and timeframe.

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