77% of my total money is in a 403b, which I cannot access until retirement age, \~6 years from now. This will supplement my pension, which I will receive in \~6 years unless the world explodes.
2% is in an IRA and ETFs, both of which I can access any time. At this point I have stopped funding the 403b and am funding the IRA through bi-weekly payroll deductions. To these I will continue to add to supplement retirement.
8% is in bank accounts that I can access, including a credit union earning 6%(!)
14% is in CDs, which I will roll over.
I will soon receive some money equal to about 14% of my total holdings.
Given the above, what should I do with it? Would like to add some gold (bars) to my holdings.