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Where would you keep $500k cash you don't imminently need?

...
electric institution
  07/28/25
i guess a HYSA or Cash account in a brokerage
Olive church building patrolman
  07/28/25
In my ass
Balding house therapy
  07/28/25
ran here
Anal Point
  07/28/25
...
Balding house therapy
  07/28/25
isnt that how you earned it?
Disrespectful Autistic Senate
  07/28/25
T-Bills.
Bisexual purple piazza dysfunction
  07/28/25
How do you buy these?
electric institution
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Bisexual purple piazza dysfunction
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
outnumbered saffron hell athletic conference
  07/28/25
tyty
electric institution
  07/29/25
Depends on how much cash you'll need eventually, and how far...
shaky pit
  07/28/25
The stock market
Bright Painfully Honest Box Office
  07/28/25
few 100k in bask bank, i think it's the highest money market...
burgundy angry roommate selfie
  07/28/25
But I do need $500k immediately
aromatic opaque tanning salon factory reset button
  07/28/25
sgov
emerald stirring multi-billionaire halford
  07/28/25
Let me hold it.
stimulating pungent step-uncle's house fortuitous meteor
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Racy Pocket Flask Preventive Strike
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: electric institution



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138014)



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Olive church building patrolman

i guess a HYSA or Cash account in a brokerage

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138030)



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Balding house therapy

In my ass

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138034)



Reply Favorite

Date: July 28th, 2025 3:50 PM
Author: Anal Point

ran here

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138037)



Reply Favorite

Date: July 28th, 2025 4:14 PM
Author: Balding house therapy



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138108)



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Date: July 28th, 2025 3:58 PM
Author: Disrespectful Autistic Senate

isnt that how you earned it?

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138065)



Reply Favorite

Date: July 28th, 2025 3:59 PM
Author: Bisexual purple piazza dysfunction

T-Bills.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138068)



Reply Favorite

Date: July 29th, 2025 6:44 PM
Author: electric institution

How do you buy these?

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49141271)



Reply Favorite

Date: July 29th, 2025 9:03 PM
Author: Bisexual purple piazza dysfunction

In order of simplicity:

1. Buy SGOV etf (you will pay a .09% annually for it if it matters to you)

2. Most major brokerages will let you buy these directly for no commission on the secondary market or at auctions.

3. You can buy these at auctions for free at the government website TreasuryDirect.

'Auction' just means, there is a calendar of when the fedgov auctions off T-bills. You place an order for how many $1000 (redemption value) T-bills you want and then after the auction is over you get the T-bills at the final price.



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49141655)



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Date: July 28th, 2025 4:01 PM
Author: outnumbered saffron hell athletic conference

$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY Bond ETF, which is like a ~7.x% 5 year duration ETF, you can do iShares or Vanguard as well for similar yield & duration)

$125k in EM bonds (e.g. iShares JPMorgan EM Corporate Bond ETF for 7-8% of corporate debt or VanEck JP Morgan EM Local Currency Bond ETF for 7.5-8% sovereign bonds in emerging markets)

$125k in preferred stocks (Nuveen Preferred Securities Income Fund - 7% actively managed closed-end fund, iShares has a similar fund)

$125k in agency MBS (iShares, Vanguard and SPDR all have ~5.5% low risk, low vol agency MBS)

Weighted portfolio yield is 6.75 - 7%

Annual income is like $34-35k

Monthly income is ~$3k



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138077)



Reply Favorite

Date: July 29th, 2025 6:45 PM
Author: electric institution

tyty

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49141276)



Reply Favorite

Date: July 28th, 2025 4:02 PM
Author: shaky pit

Depends on how much cash you'll need eventually, and how far out that is.

For example, if you plan on using it for down payment in 2 years, versus in one year, versus you have no real expected need for it at any time in the next 10 years.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138080)



Reply Favorite

Date: July 28th, 2025 4:07 PM
Author: Bright Painfully Honest Box Office

The stock market

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138090)



Reply Favorite

Date: July 28th, 2025 4:16 PM
Author: burgundy angry roommate selfie

few 100k in bask bank, i think it's the highest money market yield at the moment

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138109)



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Date: July 28th, 2025 4:20 PM
Author: aromatic opaque tanning salon factory reset button

But I do need $500k immediately

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138122)



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Date: July 28th, 2025 4:42 PM
Author: emerald stirring multi-billionaire halford

sgov

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138174)



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: stimulating pungent step-uncle's house fortuitous meteor

Let me hold it.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49138175)



Reply Favorite

Date: July 29th, 2025 9:12 PM
Author: Racy Pocket Flask Preventive Strike

Short duration muni bonds if I can find some, short term T Bills.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2)#49141684)