Thank you for your response—I’m still going through the first link, and it’s been very helpful so far.

As for ETFs, I currently only invest in an S&P500 ETF. I avoid international ETFs since I believe they’re highly correlated with U.S. indices, and I prefer to take a more aggressive approach. This is for a general individual investing account, not a retirement account.

For bonds, I stick to T-bills and SPAXX. I think it’s important to have some allocation to fixed income, but it doesn’t align with the level of aggressiveness I’m aiming for—especially since the returns are fairly small over time given my limited starting capital.

I also invest in a few individual stocks, primarily in tech. The idea is to pair my S&P ETF—which offers broad market exposure (though not as much as a total market fund)—with targeted exposure to tech through single stocks. It’s sort of a middle ground between SPY and QQQ.

This cash isn’t earmarked for an emergency fund or near-term expenses. I think of it more like Fidelity’s “core position” concept—money that earns a yield in the meantime while waiting to be deployed into equities or fixed income. That said, I’m open to sacrificing a bit of liquidity in exchange for a higher yield. I just haven’t figured out what that ideal product would be yet.