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this post was submitted on 05 Sep 2024
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If you have a HYS, there is no reason to have 100k in an account earning .05%.
Like others have said, everything else depends on your risk tolerance. If you’re young, you should have more in higher risk stuff (stocks, etc.). Even if you have a big loss, you can earn it back.
Whatever you don’t need liquid and whatever isn’t in high-risk investments can go into stuff like bonds and CDs