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

...
Unholy dog poop stead
  07/28/25
i guess a HYSA or Cash account in a brokerage
self-centered factory reset button
  07/28/25
In my ass
titillating cruise ship
  07/28/25
ran here
disturbing burgundy indian lodge
  07/28/25
...
titillating cruise ship
  07/28/25
isnt that how you earned it?
Sexy Idea He Suggested
  07/28/25
T-Bills.
Mischievous pit foreskin
  07/28/25
How do you buy these?
Unholy dog poop stead
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Mischievous pit foreskin
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
contagious blue death wish home
  07/28/25
tyty
Unholy dog poop stead
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Lime offensive state
  07/28/25
The stock market
apoplectic costumed crotch rehab
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Crusty Twinkling Uncleanness
  07/28/25
But I do need $500k immediately
Concupiscible doobsian principal's office alpha
  07/28/25
sgov
Jet organic girlfriend
  07/28/25
Let me hold it.
Vigorous stain
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Multi-colored parlour incel
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: Unholy dog poop stead



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: self-centered factory reset button

i guess a HYSA or Cash account in a brokerage

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



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Date: July 28th, 2025 3:48 PM
Author: titillating cruise ship

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: disturbing burgundy indian lodge

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: titillating cruise ship



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



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Date: July 28th, 2025 3:58 PM
Author: Sexy Idea He Suggested

isnt that how you earned it?

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



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Date: July 28th, 2025 3:59 PM
Author: Mischievous pit foreskin

T-Bills.

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



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Date: July 29th, 2025 6:44 PM
Author: Unholy dog poop stead

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: Mischievous pit foreskin

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)



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Date: July 28th, 2025 4:01 PM
Author: contagious blue death wish home

$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)



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Date: July 29th, 2025 6:45 PM
Author: Unholy dog poop stead

tyty

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



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Date: July 28th, 2025 4:02 PM
Author: Lime offensive state

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)



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Date: July 28th, 2025 4:07 PM
Author: apoplectic costumed crotch rehab

The stock market

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



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Date: July 28th, 2025 4:16 PM
Author: Crusty Twinkling Uncleanness

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)



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Date: July 28th, 2025 4:20 PM
Author: Concupiscible doobsian principal's office alpha

But I do need $500k immediately

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



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Date: July 28th, 2025 4:42 PM
Author: Jet organic girlfriend

sgov

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



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Date: July 28th, 2025 4:42 PM
Author: Vigorous stain

Let me hold it.

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



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Date: July 29th, 2025 9:12 PM
Author: Multi-colored parlour incel

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)