Early-50s yo, married, no children, no mortgage/car payments/debt. Plan to retire in \~3.5 years with a government pension + health insurance coverage. Spouse and I have comparable but separate investments.
**My investments**: $2.7 M total
\- 401K/TSP=$1.1M (Lifecycle 2040)
\- Brokerage=$1M (90% SWTSX, 5% SWISX, 5% SWAGX, now increasing % SWISX/SWAGX)
\- HYSA/CDs=$400,000 (rate \~3.4%)
\- Saving/Checking=$200,000
Very conservative with money, and I do like the comfort of having cash on hand, but even I am beginning to recognize that perhaps I have too much in my HYSA/CDs/Savings. I am going to move $80,000 from CDs to SNSXX when they mature.
**Question**: Should I be moving money from HYSA/CDs to SWAGX, SNSXX, SGOV, and/or other places?