I have a largely distributing custody account, so I can also "afford" a small nest egg.
I always have a few marks in all my accounts, plus a nest egg as a couple and an "emergency nail" (€1k) in my own account. A separate vacation account, of course, and currently also an account for the next car (ours are from 2015 and 2008, so you have to expect to replace them soon).
Purely a nest egg of around 2 salaries / 4 monthly expenses. It would certainly be possible to optimize this now, but the return on the overall portfolio would only change insignificantly.
I always have a few marks in all my accounts, plus a nest egg as a couple and an "emergency nail" (€1k) in my own account. A separate vacation account, of course, and currently also an account for the next car (ours are from 2015 and 2008, so you have to expect to replace them soon).
Purely a nest egg of around 2 salaries / 4 monthly expenses. It would certainly be possible to optimize this now, but the return on the overall portfolio would only change insignificantly.
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@KevinE sounds like a solid approach. Thanks for sharing!
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