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

...
appetizing school cafeteria
  07/28/25
i guess a HYSA or Cash account in a brokerage
Sapphire Aggressive Trailer Park Goal In Life
  07/28/25
In my ass
Vengeful Spruce Step-uncle's House
  07/28/25
ran here
sooty dysfunction
  07/28/25
...
Vengeful Spruce Step-uncle's House
  07/28/25
isnt that how you earned it?
jet-lagged sanctuary
  07/28/25
T-Bills.
doobsian swashbuckling space
  07/28/25
How do you buy these?
appetizing school cafeteria
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
doobsian swashbuckling space
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
orange abode faggot firefighter
  07/28/25
tyty
appetizing school cafeteria
  07/29/25
Depends on how much cash you'll need eventually, and how far...
laughsome whorehouse partner
  07/28/25
The stock market
Scarlet public bath fanboi
  07/28/25
few 100k in bask bank, i think it's the highest money market...
deep slap-happy plaza circlehead
  07/28/25
But I do need $500k immediately
pearl seedy den shitlib
  07/28/25
sgov
rough-skinned stage clown
  07/28/25
Let me hold it.
Startling heady hunting ground
  07/28/25
Short duration muni bonds if I can find some, short term T B...
crystalline church really tough guy
  07/29/25


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Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: appetizing school cafeteria



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Sapphire Aggressive Trailer Park Goal In Life

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: Vengeful Spruce Step-uncle's House

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: sooty dysfunction

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: Vengeful Spruce Step-uncle's House



(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: jet-lagged sanctuary

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: doobsian swashbuckling space

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: appetizing school cafeteria

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: doobsian swashbuckling space

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: orange abode faggot firefighter

$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: appetizing school cafeteria

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: laughsome whorehouse partner

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: Scarlet public bath fanboi

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: deep slap-happy plaza circlehead

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: pearl seedy den shitlib

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: rough-skinned stage clown

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: Startling heady hunting ground

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: crystalline church really tough guy

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)