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

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Arousing striped hyena
  07/28/25
i guess a HYSA or Cash account in a brokerage
carmine slap-happy brethren
  07/28/25
In my ass
Boyish faggotry
  07/28/25
ran here
Hairraiser insecure juggernaut
  07/28/25
...
Boyish faggotry
  07/28/25
isnt that how you earned it?
Appetizing School Cafeteria Karate
  07/28/25
T-Bills.
exhilarant idea he suggested
  07/28/25
How do you buy these?
Arousing striped hyena
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
exhilarant idea he suggested
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Ungodly buff milk
  07/28/25
tyty
Arousing striped hyena
  07/29/25
Depends on how much cash you'll need eventually, and how far...
180 resort hunting ground
  07/28/25
The stock market
Beady-eyed rusted marketing idea
  07/28/25
few 100k in bask bank, i think it's the highest money market...
cheese-eating talking stage depressive
  07/28/25
But I do need $500k immediately
drunken violet old irish cottage
  07/28/25
sgov
Ruddy kink-friendly goal in life
  07/28/25
Let me hold it.
hateful tan pervert
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Mischievous histrionic philosopher-king internal respiration
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: Arousing striped hyena



(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: carmine slap-happy brethren

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: Boyish faggotry

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: Hairraiser insecure juggernaut

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: Boyish faggotry



(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: Appetizing School Cafeteria Karate

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: exhilarant idea he suggested

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: Arousing striped hyena

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: exhilarant idea he suggested

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: Ungodly buff milk

$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: Arousing striped hyena

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: 180 resort hunting ground

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: Beady-eyed rusted marketing idea

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: cheese-eating talking stage depressive

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: drunken violet old irish cottage

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: Ruddy kink-friendly goal in life

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: hateful tan pervert

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: Mischievous histrionic philosopher-king internal respiration

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)