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

...
mind-boggling fuchsia sandwich
  07/28/25
i guess a HYSA or Cash account in a brokerage
greedy church building toaster
  07/28/25
In my ass
histrionic genital piercing gay wizard
  07/28/25
ran here
Adventurous elite school cafeteria
  07/28/25
...
histrionic genital piercing gay wizard
  07/28/25
isnt that how you earned it?
Razzle Native Mental Disorder
  07/28/25
T-Bills.
180 gaping hospital
  07/28/25
How do you buy these?
mind-boggling fuchsia sandwich
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
180 gaping hospital
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Shaky Faggot Firefighter Cuckoldry
  07/28/25
tyty
mind-boggling fuchsia sandwich
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Chest-beating Cyan Theater Police Squad
  07/28/25
The stock market
Wild Soul-stirring Sweet Tailpipe Ratface
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Violent preventive strike
  07/28/25
But I do need $500k immediately
Ruby institution hunting ground
  07/28/25
sgov
Floppy Crackhouse Sound Barrier
  07/28/25
Let me hold it.
Stirring Frozen Round Eye Stag Film
  07/28/25
Short duration muni bonds if I can find some, short term T B...
hyperventilating iridescent electric furnace university
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: mind-boggling fuchsia sandwich



(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: greedy church building toaster

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: histrionic genital piercing gay wizard

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: Adventurous elite school cafeteria

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: histrionic genital piercing gay wizard



(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: Razzle Native Mental Disorder

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: 180 gaping hospital

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: mind-boggling fuchsia sandwich

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: 180 gaping hospital

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: Shaky Faggot Firefighter 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: mind-boggling fuchsia sandwich

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: Chest-beating Cyan Theater Police Squad

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: Wild Soul-stirring Sweet Tailpipe Ratface

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: Violent preventive strike

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: Ruby institution hunting ground

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: Floppy Crackhouse Sound Barrier

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: Stirring Frozen Round Eye Stag Film

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: hyperventilating iridescent electric furnace university

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)