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

...
copper mewling ape hell
  07/28/25
i guess a HYSA or Cash account in a brokerage
Navy Stimulating Rehab Selfie
  07/28/25
In my ass
Curious domesticated lay idiot
  07/28/25
ran here
shivering community account space
  07/28/25
...
Curious domesticated lay idiot
  07/28/25
isnt that how you earned it?
Amethyst property
  07/28/25
T-Bills.
supple avocado juggernaut
  07/28/25
How do you buy these?
copper mewling ape hell
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
supple avocado juggernaut
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Khaki garrison
  07/28/25
tyty
copper mewling ape hell
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Ungodly Volcanic Crater Kitchen
  07/28/25
The stock market
Jade Wonderful Knife
  07/28/25
few 100k in bask bank, i think it's the highest money market...
titillating rough-skinned scourge upon the earth
  07/28/25
But I do need $500k immediately
Provocative school cafeteria wrinkle
  07/28/25
sgov
Vermilion hospital
  07/28/25
Let me hold it.
multi-colored piazza skinny woman
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Lime abode
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: copper mewling ape hell



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



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Date: July 28th, 2025 3:48 PM
Author: Navy Stimulating Rehab Selfie

i guess a HYSA or Cash account in a brokerage

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



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Date: July 28th, 2025 3:48 PM
Author: Curious domesticated lay idiot

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: shivering community account space

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: Curious domesticated lay idiot



(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: Amethyst property

isnt that how you earned it?

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



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Date: July 28th, 2025 3:59 PM
Author: supple avocado juggernaut

T-Bills.

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



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Date: July 29th, 2025 6:44 PM
Author: copper mewling ape hell

How do you buy these?

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



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Date: July 29th, 2025 9:03 PM
Author: supple avocado juggernaut

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: Khaki garrison

$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)



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Date: July 29th, 2025 6:45 PM
Author: copper mewling ape hell

tyty

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



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Date: July 28th, 2025 4:02 PM
Author: Ungodly Volcanic Crater Kitchen

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)



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Date: July 28th, 2025 4:07 PM
Author: Jade Wonderful Knife

The stock market

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



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Date: July 28th, 2025 4:16 PM
Author: titillating rough-skinned scourge upon the earth

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: Provocative school cafeteria wrinkle

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: Vermilion hospital

sgov

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



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Date: July 28th, 2025 4:42 PM
Author: multi-colored piazza skinny woman

Let me hold it.

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



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Date: July 29th, 2025 9:12 PM
Author: Lime abode

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)