Want to move ~$12k out of stocks and into something less risky

Hello everyone,

As the title says, I want to move my money out of the stocks I currently own (and have owned for nearly 10 years) to something like a mutual fund.

I want to be able to take out the money ASAP if I run into an issue with money. Isn't that an issue with mutual funds, that they don't let you do that without some sort of drawback?

I believe I should be looking into Vanguard's stocks based on what I want to do (bc they act like a mutual fund in terms of multiple companies are represented by a single stock), but if there is another option, please let me know.

Sorry if I sound a bit ignorant, but I am not super into this stuff so I am not sure on some things. Pretty much I want to drain my company stocks and move it into a stock acting like a mutual fund.

One note is I do currently hold two Vanguard mutual funds separate from my stocks. These are long term funds.

Second note - currently a masters student so my income is $0 this year. I want to do this for tax reasons.

Thank you

Submitted October 30, 2016 at 01:56PM by xxscenexx http://ift.tt/2f1HF3l