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

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Well-lubricated pink therapy parlor
  07/28/25
i guess a HYSA or Cash account in a brokerage
Arousing Locale
  07/28/25
In my ass
pungent aromatic tanning salon
  07/28/25
ran here
odious coldplay fan lodge
  07/28/25
...
pungent aromatic tanning salon
  07/28/25
isnt that how you earned it?
dashing goal in life rigor
  07/28/25
T-Bills.
Navy disrespectful menage
  07/28/25
How do you buy these?
Well-lubricated pink therapy parlor
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Navy disrespectful menage
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
khaki titillating kitty cat
  07/28/25
tyty
Well-lubricated pink therapy parlor
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Bull headed marketing idea
  07/28/25
The stock market
offensive vivacious indian lodge dragon
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Vibrant Chartreuse Selfie Native
  07/28/25
But I do need $500k immediately
abnormal shitlib boistinker
  07/28/25
sgov
ruby old irish cottage sweet tailpipe
  07/28/25
Let me hold it.
brass angry multi-billionaire antidepressant drug
  07/28/25
Short duration muni bonds if I can find some, short term T B...
galvanic house legal warrant
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: Well-lubricated pink therapy parlor



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Arousing Locale

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: pungent aromatic tanning salon

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: odious coldplay fan lodge

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: pungent aromatic tanning salon



(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: dashing goal in life rigor

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: Navy disrespectful menage

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: Well-lubricated pink therapy parlor

How do you buy these?

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



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Date: July 29th, 2025 9:03 PM
Author: Navy disrespectful menage

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: khaki titillating kitty cat

$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: Well-lubricated pink therapy parlor

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: Bull headed marketing idea

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: offensive vivacious indian lodge dragon

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: Vibrant Chartreuse Selfie Native

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: abnormal shitlib boistinker

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: ruby old irish cottage sweet tailpipe

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: brass angry multi-billionaire antidepressant drug

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: galvanic house legal warrant

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)