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      08-11-2023, 08:55 AM   #7989
Chick Webb
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Drives: '10 E92, '17 540i, '21 X6 M50i
Join Date: Sep 2021
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Quote:
Originally Posted by c1pher View Post
So other than a couple individual stocks I own for my own risk taking, I think my optimal blend is
15% MGK
45% VOO
40% VYM
I also hold cash in VFMXX which is earning ~5.25%
Given the increase in rates, very real credit tightening and the earnings recession, aren't you taking a lot of risk holding high yield right now? Assuming you're using VMY primarily for wealth preservation, and are subject to taxes on that, something like VTEB might be good. Decent return (2.78% ytd), virtually no risk of default, and tax free.
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