Re:Price shocks in formative years scar consumption for life
by pishpash on Wednesday June 15, 2022 @05:23PM
(#31759631)
Broad munis and intermediate treasuries are both down 10% YTD, and so are TIPS (though at least those have had inflation adjustments). You might want to check your "emergency fund investment account" lol...
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Re:Price shocks in formative years scar consumption for life
by astrange on Wednesday June 15, 2022 @07:14PM
(#31760647)
It’s on target still. Less margin than usual, but the gains from the last 10 years have made up for that.
Betterment recommends 30% margin: https://www.betterment.com/resources/funding-a-safety-net-ca...
Re:Price shocks in formative years scar consumption for life
by pishpash on Wednesday June 15, 2022 @07:32PM
(#31760778)
Gains from the past isn't so much the point, but rather when you may need to liquidate. An emergency fund is typically needed at the worst possible time, when the economy isn't good and investments are deflated. That's the liquidity risk you take with anything but cash.