Just looking for strategy ideas.
I have three accounts with Fidelity. Brokerage, Trad IRA and ROTH IRA. I also have a CD with a bank.
My brokerage is all individual growth stocks and will remain that way. I just cut the losers every year for tax loss harvesting. The Trad and ROTH were recently created after finally dissolving an old inactive 401k from a former employer. The distribution is 60k and 20k. I want to setup a dividends position so I'm thinking 60k in VOO and the 20K in VXUS.
I also have another 250k in a CD that is coming up. I wouldn't mind shifting that over to Fidelity since the rates are now under 4% and I'm over the FDIC insured limit at the bank. My requirements for this money at least 4% with no risk to principle and need to be able to draw funds if need be. I plan on using a portion of this money to buy the recovery in the event of a crash which I think everyone can agree is a matter of when.
I appreciate the feedback