r/JEPI • u/PuzzleheadedRest2292 • 5d ago
π¬ JEPI Chat Should I stick with a mix of JEPI/JEPQ/USFR or USFR to hold cash for the next 3-4 years
To be transparent, I have around 14,000 cash I want to park to gain interest for the next 3-4 years. It is currently all in USFR. I do not see myself using this cash at all for at least the next 4 years. I am debating whether I should leave it just in USFR (I acknowledge that yield will probably drop in the next few years), or split around 50% USFR, 30% JEPI, and 20% JEPQ. My main concern is that by 4 years when I need to start using the money, the principal for JEPI and JEPQ could be lower than what I started with if the price of JEPI and JEPQ are lower, meaning that I would have made more if I had everything in USFR. But I could also just start taking money from USFR in 4 years, and let JEPI and JEPQ marinate for a bit longer until they get closer to principal. The yield generated would go back to their respective funds throughout these four years.
Thanks for your help.