Investing bankroll

[UNCBear4SJ]

20k liquid cash to play with
20k in an accelerated savings account with ~1.5-2.0% interest
20k in a moderately aggresive mutual fund.

This is all speculation but the reasoning is I have 2/3 of my bank in 0 risk locations and I would have to lose 66% of my bank before I touch mutual fund stuff. If my mutual fund dips and I have to pull money I am essentially locking in a loss so this would be touched last.

This isn't 0 risk but you indicate you understand that when mentioning the possibility of loss. I do something similar with Vanguard ETFs (listed in descending order of risk):
20% in Money Market (currently yielding 2.08 -- associated with my checking account so withdrawals, if necessary, take a business day)
30% in Total Bond Market (trailing 12 month return 9.8%)
30% in Long-Term Corporate Debt (12 month 24.95%)
20% in High Dividend Yield (12 month 14%)
Rebalanced quarterly.

[BJGenius007]

This isn't 0 risk but you indicate you understand that when mentioning the possibility of loss. I do something similar with Vanguard ETFs (listed in descending order of risk):
20% in Money Market (currently yielding 2.08 -- associated with my checking account so withdrawals, if necessary, take a business day)
30% in Total Bond Market (trailing 12 month return 9.8%)
30% in Long-Term Corporate Debt (12 month 24.95%)
20% in High Dividend Yield (12 month 14%)
Rebalanced quarterly.

All markets are skewed by central banks' QE, Repo and measurement like that. Better hold only 100% cash/money market in the next 18 months. Even Treasury is not as reliable as in the past. Forget corp bonds.

[21forme]

All markets are skewed by central banks' QE, Repo and measurement like that. Better hold only 100% cash/money market in the next 18 months. Even Treasury is not as reliable as in the past. Forget corp bonds.

Oy!

[UNCBear4SJ]

All markets are skewed by central banks' QE, Repo and measurement like that.

Thanks. I am well aware markets continue to be distorted by the quantitative easing the Fed felt necessary to implement. There is risk in everything (and obviously we all accept some risk since we are on a board dedicated to an activity which carries a high degree of short-term risk). I'm comfortable with my strategy at the current time, though stand ready to adjust allocations should normalcy begin to take hold, with rising interest rates putting pressure on pricing.