\
  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?

...
Rusted Water Buffalo Brunch
  07/28/25
i guess a HYSA or Cash account in a brokerage
deranged sienna genital piercing foreskin
  07/28/25
In my ass
Underhanded background story crotch
  07/28/25
ran here
titillating umber center windowlicker
  07/28/25
...
Underhanded background story crotch
  07/28/25
isnt that how you earned it?
mildly autistic racy theater
  07/28/25
T-Bills.
emerald charismatic hunting ground
  07/28/25
How do you buy these?
Rusted Water Buffalo Brunch
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
emerald charismatic hunting ground
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
salmon doctorate
  07/28/25
tyty
Rusted Water Buffalo Brunch
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Exhilarant meetinghouse
  07/28/25
The stock market
alcoholic poppy senate dragon
  07/28/25
few 100k in bask bank, i think it's the highest money market...
curious bearded sneaky criminal
  07/28/25
But I do need $500k immediately
Charcoal organic girlfriend
  07/28/25
sgov
concupiscible buff alpha famous landscape painting
  07/28/25
Let me hold it.
Metal goal in life
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Big lay goyim
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: Rusted Water Buffalo Brunch



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: deranged sienna genital piercing foreskin

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: Underhanded background story crotch

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: titillating umber center windowlicker

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: Underhanded background story crotch



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



Reply Favorite

Date: July 28th, 2025 3:58 PM
Author: mildly autistic racy theater

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: emerald charismatic hunting ground

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: Rusted Water Buffalo 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: emerald charismatic hunting ground

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: salmon doctorate

$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: Rusted Water Buffalo 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: Exhilarant 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.

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



Reply Favorite

Date: July 28th, 2025 4:07 PM
Author: alcoholic poppy senate dragon

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: curious bearded sneaky criminal

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: Charcoal organic girlfriend

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: concupiscible buff alpha famous landscape painting

sgov

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



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: Metal goal in life

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 lay goyim

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)