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

...
godawful stubborn home dragon
  07/28/25
i guess a HYSA or Cash account in a brokerage
Primrose Big Associate
  07/28/25
In my ass
talented topaz macaca
  07/28/25
ran here
Motley Slate Hairy Legs Brethren
  07/28/25
...
talented topaz macaca
  07/28/25
isnt that how you earned it?
Histrionic station crotch
  07/28/25
T-Bills.
floppy market degenerate
  07/28/25
How do you buy these?
godawful stubborn home dragon
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
floppy market degenerate
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
titillating pink candlestick maker
  07/28/25
tyty
godawful stubborn home dragon
  07/29/25
Depends on how much cash you'll need eventually, and how far...
flirting dark crackhouse really tough guy
  07/28/25
The stock market
mustard ladyboy
  07/28/25
few 100k in bask bank, i think it's the highest money market...
embarrassed to the bone nowag multi-billionaire
  07/28/25
But I do need $500k immediately
Painfully honest cerebral factory reset button
  07/28/25
sgov
razzle transparent useless brakes spot
  07/28/25
Let me hold it.
swashbuckling fighting athletic conference
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Flatulent whorehouse
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: godawful stubborn home dragon



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



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Date: July 28th, 2025 3:48 PM
Author: Primrose Big Associate

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: talented topaz macaca

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: Motley Slate Hairy Legs Brethren

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: talented topaz macaca



(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: Histrionic station crotch

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: floppy market degenerate

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: godawful stubborn home dragon

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: floppy market degenerate

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: titillating pink candlestick maker

$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: godawful stubborn home dragon

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: flirting dark crackhouse really tough guy

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: mustard ladyboy

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: embarrassed to the bone nowag multi-billionaire

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: Painfully honest cerebral factory reset button

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: razzle transparent useless brakes spot

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: swashbuckling fighting athletic conference

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: Flatulent whorehouse

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)