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

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razzle-dazzle flesh cuckoldry feces
  07/28/25
i guess a HYSA or Cash account in a brokerage
Mildly Autistic Boyish Gunner
  07/28/25
In my ass
Contagious Maize Site Faggotry
  07/28/25
ran here
Ocher wonderful market
  07/28/25
...
Contagious Maize Site Faggotry
  07/28/25
isnt that how you earned it?
greedy university
  07/28/25
T-Bills.
indigo puppy
  07/28/25
How do you buy these?
razzle-dazzle flesh cuckoldry feces
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
indigo puppy
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
charismatic out-of-control state
  07/28/25
tyty
razzle-dazzle flesh cuckoldry feces
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Cyan vengeful locus
  07/28/25
The stock market
fear-inspiring candlestick maker
  07/28/25
few 100k in bask bank, i think it's the highest money market...
anal chapel skinny woman
  07/28/25
But I do need $500k immediately
Ivory nursing home boistinker
  07/28/25
sgov
Cracking Idiot Kitty Cat
  07/28/25
Let me hold it.
curious stag film
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Comical Private Investor Field
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: razzle-dazzle flesh cuckoldry feces



(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: Mildly Autistic Boyish Gunner

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: Contagious Maize Site Faggotry

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: Ocher wonderful market

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: Contagious Maize Site Faggotry



(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: greedy university

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: indigo puppy

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: razzle-dazzle flesh cuckoldry feces

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: indigo puppy

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: charismatic out-of-control state

$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: razzle-dazzle flesh cuckoldry feces

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: Cyan vengeful locus

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: fear-inspiring candlestick maker

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: anal chapel skinny woman

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: Ivory nursing home boistinker

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: Cracking Idiot Kitty Cat

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: curious 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: Comical Private Investor Field

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)