If you have $20,000 in your saving accounts, how much will you put in your investment?

and how much will leave in your savings account?

Since I believe in the 6 month emergency savings rule, it would be $16,000 left in the savings and $4,000 invested. If you asked me next year that question, it would be $17,000 left in the savings account and $3,000 invested. In fact, that is what I have done and am doing.

That is a really good question that I have not seen asked here before. And the answer takes considerable thought.

One should always have ready cash available for emergencies and for unlikely investment opportunities also such as a sudden drop in the stocks market such as we just had.

I can not give an exact answer. There are too many variables to consider. How about a range instead. At least $2000 never less. Well almost never. If the market drops another 1000 points, that would be a good time to draw down the savings to about zero.

Maybe as much as $7000 to $10,000. A case where $10,000 would be appropriate is if the S&P 500 were selling at a PE ratio of 25, then keeping ones money in investments would be very very risky indeed. It is currently about 17.

For me i will invest my $5000 in Euro America Index, because ever day return for 100 day is $115. So, $15000 will leave in my saving account.
For 50 day investment i get back my $5000 back, totally return $11500 just for 100 day.
You should try too http://www.eaindex.com/CMGK2058

1) In case you lose your job or income source, leave as much money in your saving account as equals your living expenses for the time you think it will take you to find a new job or income source. 2) If your current residence (or car) is destroyed, leave in an amount equal to renting a new place (car) until insurance pays up & time to find a new one.

depending upon the market TREND
if it is bullish 80%
if it is bearish 20%

For investment, it depends on how much you are willing to lose should your investment in the worst case being totally wiped out. Also, what type of investor are you? Are you low, medium or high risk taker? If I suggest $10,000 for investment, are you comfortable? Is your remaining $10,000 enough for your others expenses and for how long? If you go to the investing company and they suggest 80 to 90% of your saving to put into investment, can you sleep peacefully after investing? The answer to your question can only be from you.

Learn how to fish and your saving will go up steadily. That is, to invest in yourself!

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