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

...
nofapping new version
  07/28/25
i guess a HYSA or Cash account in a brokerage
chest-beating patrolman
  07/28/25
In my ass
Maize Exhilarant Lay Background Story
  07/28/25
ran here
Territorial telephone
  07/28/25
...
Maize Exhilarant Lay Background Story
  07/28/25
isnt that how you earned it?
Soul-stirring tanning salon
  07/28/25
T-Bills.
amethyst hairraiser box office
  07/28/25
How do you buy these?
nofapping new version
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
amethyst hairraiser box office
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
White Son Of Senegal Hairy Legs
  07/28/25
tyty
nofapping new version
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Fuchsia stage
  07/28/25
The stock market
zombie-like legal warrant
  07/28/25
few 100k in bask bank, i think it's the highest money market...
mauve whorehouse psychic
  07/28/25
But I do need $500k immediately
bateful alpha dopamine
  07/28/25
sgov
floppy ticket booth
  07/28/25
Let me hold it.
rebellious ivory therapy field
  07/28/25
Short duration muni bonds if I can find some, short term T B...
learning disabled indian lodge toaster
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: nofapping new version



(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: chest-beating patrolman

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: Maize Exhilarant Lay Background Story

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: Territorial telephone

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: Maize Exhilarant Lay Background Story



(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: Soul-stirring tanning salon

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: amethyst hairraiser box office

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: nofapping new version

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: amethyst hairraiser box office

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: White Son Of Senegal Hairy Legs

$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: nofapping new version

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: Fuchsia stage

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: zombie-like legal warrant

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: mauve whorehouse psychic

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: bateful alpha dopamine

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: floppy ticket booth

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: rebellious ivory therapy field

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: learning disabled indian lodge toaster

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)