What's the Best Option for Cash: Money Market Funds or T-Bill ETFs? (FQF)

Here are the five questions we cover this week in Five Question Friday:

1. Should we park cash in a money market fund or a t-bill ETF?
2. Are Robo-Advisor Tax-Loss harvesting features worth it?
3. What is the Retirement Spending Smile?
4. What rate of return assumption should you use in retirement planning software?
5. Which IRA account types can be combined?

*Resources*

Monarch Money (the budgeting app I use): https://go.robberger.com/monarch-yt/yt-
Exploring the Retirement Consumption Puzzle: https://www.financialplanningassociation.org/sites/default/files/2020-09/MAY14%20JFP%20Blanchett_0.pdf
IRS Rollover Chart: https://www.irs.gov/pub/irs-tege/rollover_chart.pdf
Boldin: https://go.robberger.com/boldin/yt-
ProjectionLab: https://go.robberger.com/projectionlab/yt

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*Financial tools I use:*

*I track all of my investments, performance, fees, and asset allocation with Empower. It's Free:*
https://go.robberger.com/empower/yt-

*I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-

*My retirement plan comes from Boldin, the most robust retirement planner available at a reasonable cost:*
https://go.robberger.com/boldin/yt-

*I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free:*
https://go.robberger.com/capitalize/yt-

*My Book (Retire Before Mom and Dad):*
https://amzn.to/4d9qbhA

#retirement #investing #robberger

0:00 - Intro
02:22 - Should we park cash in a money market fund or a t-bill ETF?
7:03 - Are Robo-Advisor Tax-Loss harvesting features worth it?
12:50 - What is the Retirement Spending Smile?
18:32 - What rate of return assumption should you use in retirement planning software?
23:45 - Which IRA account types can be combined?

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.