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Where would you keep $500k cash you don't imminently need?
| Spruce abode hominid | 07/28/25 |
| Salmon Indecent New Version | 07/28/25 |
| Judgmental vigorous library | 07/28/25 |
| Aggressive dashing coffee pot wagecucks | 07/28/25 |
| Judgmental vigorous library | 07/28/25 |
| Citrine Tanning Salon Prole | 07/28/25 |
| odious wrinkle | 07/28/25 |
| Spruce abode hominid | 07/29/25 |
| odious wrinkle | 07/29/25 |
| Unholy maize idea he suggested | 07/28/25 |
| Spruce abode hominid | 07/29/25 |
| Snowy meetinghouse | 07/28/25 |
| Jet dragon | 07/28/25 |
| Erotic Range | 07/28/25 |
| White parlor | 07/28/25 |
| Excitant pearly organic girlfriend | 07/28/25 |
| electric mood jewess | 07/28/25 |
| khaki tantric preventive strike | 07/29/25 |
Poast new message in this thread
Date: July 28th, 2025 3:44 PM Author: Spruce abode hominid (http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2).#49138014) |
Date: July 28th, 2025 3:48 PM Author: Salmon Indecent New Version 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: Judgmental vigorous library 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: Aggressive dashing coffee pot wagecucks 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: Judgmental vigorous library (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: Citrine Tanning Salon Prole 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: odious wrinkle 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: Spruce abode hominid 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: odious wrinkle 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.
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Date: July 28th, 2025 4:01 PM Author: Unholy maize idea he suggested $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
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Date: July 29th, 2025 6:45 PM Author: Spruce abode hominid 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: Snowy meetinghouse 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. |
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Date: July 28th, 2025 4:07 PM Author: Jet dragon 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: Erotic Range 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: White parlor 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: Excitant pearly organic girlfriend 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: electric mood jewess 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: khaki tantric 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) |