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

...
burgundy judgmental school french chef
  07/28/25
i guess a HYSA or Cash account in a brokerage
Opaque nibblets roommate
  07/28/25
In my ass
Exhilarant Slimy Sanctuary Mexican
  07/28/25
ran here
Yellow nighttime azn gunner
  07/28/25
...
Exhilarant Slimy Sanctuary Mexican
  07/28/25
isnt that how you earned it?
Gold Very Tactful Hall
  07/28/25
T-Bills.
crimson sex offender
  07/28/25
How do you buy these?
burgundy judgmental school french chef
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
crimson sex offender
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
hairraiser personal credit line
  07/28/25
tyty
burgundy judgmental school french chef
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Crystalline crackhouse
  07/28/25
The stock market
Arousing onyx mood
  07/28/25
few 100k in bask bank, i think it's the highest money market...
aromatic state laser beams
  07/28/25
But I do need $500k immediately
Marvelous sadistic principal's office double fault
  07/28/25
sgov
cerebral property
  07/28/25
Let me hold it.
vigorous milky heaven
  07/28/25
Short duration muni bonds if I can find some, short term T B...
bisexual sandwich
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: burgundy judgmental school french chef



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Opaque nibblets roommate

i guess a HYSA or Cash account in a brokerage

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



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Date: July 28th, 2025 3:48 PM
Author: Exhilarant Slimy Sanctuary Mexican

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: Yellow nighttime azn gunner

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: Exhilarant Slimy Sanctuary Mexican



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



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Date: July 28th, 2025 3:58 PM
Author: Gold Very Tactful Hall

isnt that how you earned it?

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



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Date: July 28th, 2025 3:59 PM
Author: crimson sex offender

T-Bills.

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



Reply Favorite

Date: July 29th, 2025 6:44 PM
Author: burgundy judgmental school french chef

How do you buy these?

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



Reply Favorite

Date: July 29th, 2025 9:03 PM
Author: crimson sex offender

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/en-en/#49141655)



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Date: July 28th, 2025 4:01 PM
Author: hairraiser personal credit line

$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/en-en/#49138077)



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Date: July 29th, 2025 6:45 PM
Author: burgundy judgmental school french chef

tyty

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



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Date: July 28th, 2025 4:02 PM
Author: Crystalline crackhouse

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/en-en/#49138080)



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Date: July 28th, 2025 4:07 PM
Author: Arousing onyx mood

The stock market

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



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Date: July 28th, 2025 4:16 PM
Author: aromatic state laser beams

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/en-en/#49138109)



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Date: July 28th, 2025 4:20 PM
Author: Marvelous sadistic principal's office double fault

But I do need $500k immediately

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



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Date: July 28th, 2025 4:42 PM
Author: cerebral property

sgov

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



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Date: July 28th, 2025 4:42 PM
Author: vigorous milky heaven

Let me hold it.

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



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Date: July 29th, 2025 9:12 PM
Author: bisexual sandwich

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/en-en/#49141684)