\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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

...
Appetizing Harsh Brunch
  07/28/25
i guess a HYSA or Cash account in a brokerage
Yellow Wild Market
  07/28/25
In my ass
Sienna Skinny Woman Library
  07/28/25
ran here
pearly mediation
  07/28/25
...
Sienna Skinny Woman Library
  07/28/25
isnt that how you earned it?
mind-boggling internet-worthy karate
  07/28/25
T-Bills.
Rose set pisswyrm
  07/28/25
How do you buy these?
Appetizing Harsh Brunch
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Rose set pisswyrm
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
brilliant wonderful locus hissy fit
  07/28/25
tyty
Appetizing Harsh Brunch
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Titillating Misunderstood Rehab Half-breed
  07/28/25
The stock market
Marvelous Embarrassed To The Bone Idiot
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Aquamarine degenerate windowlicker
  07/28/25
But I do need $500k immediately
cream electric genital piercing
  07/28/25
sgov
Nofapping personal credit line
  07/28/25
Let me hold it.
Bateful bawdyhouse
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Big canary stead
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: Appetizing Harsh Brunch



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Yellow Wild Market

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: Sienna Skinny Woman Library

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: pearly mediation

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: Sienna Skinny Woman Library



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



Reply Favorite

Date: July 28th, 2025 3:58 PM
Author: mind-boggling internet-worthy karate

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: Rose set pisswyrm

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: Appetizing Harsh Brunch

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: Rose set pisswyrm

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)



Reply Favorite

Date: July 28th, 2025 4:01 PM
Author: brilliant wonderful locus hissy fit

$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: Appetizing Harsh Brunch

tyty

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



Reply Favorite

Date: July 28th, 2025 4:02 PM
Author: Titillating Misunderstood Rehab Half-breed

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: Marvelous Embarrassed To The Bone Idiot

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: Aquamarine degenerate windowlicker

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)



Reply Favorite

Date: July 28th, 2025 4:20 PM
Author: cream electric genital piercing

But I do need $500k immediately

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



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: Nofapping personal credit line

sgov

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



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: Bateful bawdyhouse

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: Big canary stead

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)