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trilliumsummer t1_iujjotc wrote

So googled this (use Ally but haven't looked into it). Right off the bat it has 30% of your money in cash just earning interest. I would think for most people that's too much cash, unless you account for that appropriately.

Edit: Scrolled down, I guess there's a 2% in cash option, but that has a small fee.

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nrj3697 OP t1_iujsoux wrote

Yeah and 30 percent really isn't bad for what I want it for. It earns 2.35% guaranteed. It basically puts it in thier HYSA and the rest is invested

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trilliumsummer t1_iujysgg wrote

Guaranteed for how long? Because I've had their HYSA for years and while it's up there now, there were years it was only getting half a percent.

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nrj3697 OP t1_iujyxvh wrote

But in theory if the HYSA rate is down then your investments should be up. And vise versa. Years ago my brokerage accounts had a ton more money in them to lol

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