chapotraphouse

Can I ask why you're in mutual funds?

I'm not too knowledgeable about all the passive long term investment options out there but afaik, there are only a few options that make sense depending on what you want:

SPY ETFs (or maybe some other broad American market ETF like QQQ) with low expense ratios and high volume since you can trade them intraday vs mutual funds where you can only trade them interday. I also believe you get taxed on dividends on mutual funds even if you don't sell? Whack

High interest/yield savings accounts for guaranteed low risk returns

Money market funds (can be better than savings account for potential tax savings due to certain states tax rules and government obligations)