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

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Self-absorbed vigorous center
  07/28/25
i guess a HYSA or Cash account in a brokerage
electric milky institution
  07/28/25
In my ass
Dashing crotch
  07/28/25
ran here
bearded flushed hall halford
  07/28/25
...
Dashing crotch
  07/28/25
isnt that how you earned it?
dark principal's office boistinker
  07/28/25
T-Bills.
histrionic pit water buffalo
  07/28/25
How do you buy these?
Self-absorbed vigorous center
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
histrionic pit water buffalo
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
sienna cuckoldry
  07/28/25
tyty
Self-absorbed vigorous center
  07/29/25
Depends on how much cash you'll need eventually, and how far...
haunting ebony really tough guy meetinghouse
  07/28/25
The stock market
aqua sadistic step-uncle's house
  07/28/25
few 100k in bask bank, i think it's the highest money market...
hairraiser business firm
  07/28/25
But I do need $500k immediately
Abusive slippery black woman
  07/28/25
sgov
Indecent internet-worthy stage prole
  07/28/25
Let me hold it.
Misanthropic keepsake machete
  07/28/25
Short duration muni bonds if I can find some, short term T B...
spectacular silver state police squad
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: Self-absorbed vigorous center



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



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Date: July 28th, 2025 3:48 PM
Author: electric milky institution

i guess a HYSA or Cash account in a brokerage

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



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Date: July 28th, 2025 3:48 PM
Author: Dashing crotch

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: bearded flushed hall halford

ran here

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



Reply Favorite

Date: July 28th, 2025 4:14 PM
Author: Dashing crotch



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



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Date: July 28th, 2025 3:58 PM
Author: dark principal's office boistinker

isnt that how you earned it?

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



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Date: July 28th, 2025 3:59 PM
Author: histrionic pit water buffalo

T-Bills.

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



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Date: July 29th, 2025 6:44 PM
Author: Self-absorbed vigorous center

How do you buy these?

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



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Date: July 29th, 2025 9:03 PM
Author: histrionic pit water buffalo

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=2Elisa#49141655)



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Date: July 28th, 2025 4:01 PM
Author: sienna cuckoldry

$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=2Elisa#49138077)



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Date: July 29th, 2025 6:45 PM
Author: Self-absorbed vigorous center

tyty

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



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Date: July 28th, 2025 4:02 PM
Author: haunting ebony really tough guy 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=2Elisa#49138080)



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Date: July 28th, 2025 4:07 PM
Author: aqua sadistic step-uncle's house

The stock market

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



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Date: July 28th, 2025 4:16 PM
Author: hairraiser business firm

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=2Elisa#49138109)



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Date: July 28th, 2025 4:20 PM
Author: Abusive slippery black woman

But I do need $500k immediately

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



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Date: July 28th, 2025 4:42 PM
Author: Indecent internet-worthy stage prole

sgov

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



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Date: July 28th, 2025 4:42 PM
Author: Misanthropic keepsake machete

Let me hold it.

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



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Date: July 29th, 2025 9:12 PM
Author: spectacular silver state police squad

Short duration muni bonds if I can find some, short term T Bills.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2Elisa#49141684)