Posts  / MU  / #POST-217883
REDDIT

Close to 250k in cash...where to invest?

D
Jan 26, 2026 · 18:43

I have a good problem!!... have cash and am not sure where to invest.

HSA - 20k

IRA - 180k

Savings - 35k

15k in checking for a rainy day.

I have been investing in AI-related stocks when I see them in red, but it looks like I don't want to add anything in AI, except MU (but MU I am already overloaded)

I have decent holdings in GOOG, AMZN, MSFT and NVDA. Most of them are doing ok ok but nothing great.

I have added some dividend ETFs/Stocks - O, SCHD, DGRO, SPYD, QQQI etc - This I mainly concentrated in Roth accounts

Also timing wise should I wait until this earnings season?

Should I add some when shutdown begins?

I am waiting for some comments from Trump so that I can add few !! LOL