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

...
excitant set
  07/28/25
i guess a HYSA or Cash account in a brokerage
Soul-stirring apoplectic stain ape
  07/28/25
In my ass
territorial crackhouse
  07/28/25
ran here
exciting masturbator
  07/28/25
...
territorial crackhouse
  07/28/25
isnt that how you earned it?
Trip Narrow-minded Wagecucks Round Eye
  07/28/25
T-Bills.
bat shit crazy cracking ticket booth double fault
  07/28/25
How do you buy these?
excitant set
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
bat shit crazy cracking ticket booth double fault
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Supple indigo candlestick maker
  07/28/25
tyty
excitant set
  07/29/25
Depends on how much cash you'll need eventually, and how far...
maroon native
  07/28/25
The stock market
exhilarant rigpig
  07/28/25
few 100k in bask bank, i think it's the highest money market...
blue reading party whorehouse
  07/28/25
But I do need $500k immediately
Greedy roast beef place of business
  07/28/25
sgov
vivacious factory reset button theater
  07/28/25
Let me hold it.
Pungent Turdskin Jewess
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Sooty son of senegal market
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: excitant set



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



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Date: July 28th, 2025 3:48 PM
Author: Soul-stirring apoplectic stain ape

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: territorial crackhouse

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: exciting masturbator

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: territorial crackhouse



(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: Trip Narrow-minded Wagecucks Round Eye

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: bat shit crazy cracking ticket booth double fault

T-Bills.

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



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Date: July 29th, 2025 6:44 PM
Author: excitant set

How do you buy these?

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



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Date: July 29th, 2025 9:03 PM
Author: bat shit crazy cracking ticket booth double fault

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: Supple indigo 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/en-en/#49138077)



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Date: July 29th, 2025 6:45 PM
Author: excitant set

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: maroon native

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: exhilarant rigpig

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: blue reading party whorehouse

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: Greedy roast beef place of business

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: vivacious factory reset button theater

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: Pungent Turdskin Jewess

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: Sooty son of senegal market

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)