July 2019 Financial Asset Roundup

Here are my current financial assets as of the market close on July 10th, 2019:

Asset	Jun 2019	Jul 2019	Change
Checking	1,661	1,243	-598
Money Market	45,018	56,338	7,041
Savings Bonds	159,255	159,906	331
Treasury Bills	20,000	0	-20,000
CDs	58,342	73,721	15,192
Brokerage	179,163	193,483	14,930
401k	190,508	201,740	7,904
Roth IRA	162,348	167,802	4,810
SEP IRA	793,989	822,046	24,395
529 Savings	178,838	183,624	2,794
Total Assets	$1,789,122	$1,859,903	$56,799
			3.15%

The market has climbed to new all-time highs since the last update, with the S&P 500 up 3.68% during that time:

(chart courtesy of nasdaq.com)

On the jobs front, the unemployment rate for June rose to 3.7%, with 335,000 new jobs created. Oil prices are up ~13% to the $61 level, with a local unleaded regular gasoline price of $2.59 per gallon at my last fill up.

On the financial front, my assets have once again hit another all-time high, surpassing the previous high from June 2019. One change has been my stance on continuing to hold cash in 28 day T-Bills. As calls for a FOMC rate cut have increased (and hinted at), I've watched the investment rates for T-Bills drop (2.174% for 7/16 issues) to a level that doesn't compare very favorably with liquid savings options (like the 2.1% APY offered by Alliant Credit Union). Instead I reversed course and decided to put a portion of that cash into a Alliant 2.55% APY 12 month CD with the rest remaining liquid for now. I have some larger bills coming soon (college tuition, tax payments, etc.), so I will likely stand pat for a while.

As for the non-financial, we've been dealing with hot weather over the past week and will be planning on a week's vacation later this month. Good times. :D