What’s the best way to draw down from a money market fund?
u/rawrlionsrawr ·
Reddit — r/investing
· August 27, 2026 at 11:00
· ⬆ 24 pts
· 💬 26 comments
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Hi,
I’m at a slight impasse. I’m in my mid 30s. I have $100k in a money market fund. All I have been doing is investing the interest. But I’ve had this $100k since I was 26 years old. I don’t have a house or a mortgage no loans nothing. Just normal everyday bills. I live at home with my parents because I’m helping care for aging family. I want to draw down this $100k and get my money market fund down to $50k or $60k. Even at $50k - $60k that surpasses my 6 month emergency fund. Is it really just that simple? I just either DCA weekly into 80/20 VTI/VXUS? Or 100% into VT? I just feel like I’m losing out on this $100k just sitting here for all these years. I can’t bring myself to lump sum it. So I plan on automating DCA from fidelity. Just looking for something with average risk nothing exotic.
Thanks!
More background. I DCA into an index portfolio for the past 2 years. I have about $200k in individual tech stocks and $400k in total retirement account’s.