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

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amethyst roast beef persian
  07/28/25
i guess a HYSA or Cash account in a brokerage
Fluffy Casino
  07/28/25
In my ass
Claret Sanctuary
  07/28/25
ran here
plum filthy garrison
  07/28/25
...
Claret Sanctuary
  07/28/25
isnt that how you earned it?
Trip Flesh Fanboi Native
  07/28/25
T-Bills.
irate bronze jew quadroon
  07/28/25
How do you buy these?
amethyst roast beef persian
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
irate bronze jew quadroon
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Arousing mustard keepsake machete
  07/28/25
tyty
amethyst roast beef persian
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Racy gay doctorate
  07/28/25
The stock market
Naked Blood Rage Shitlib
  07/28/25
few 100k in bask bank, i think it's the highest money market...
glittery people who are hurt knife
  07/28/25
But I do need $500k immediately
alcoholic community account skinny woman
  07/28/25
sgov
diverse field idiot
  07/28/25
Let me hold it.
flirting range
  07/28/25
Short duration muni bonds if I can find some, short term T B...
aromatic fighting ape
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: amethyst roast beef persian



(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: Fluffy Casino

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: Claret Sanctuary

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: plum filthy garrison

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: Claret Sanctuary



(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 Flesh Fanboi Native

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: irate bronze jew quadroon

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: amethyst roast beef persian

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: irate bronze jew quadroon

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: Arousing mustard keepsake machete

$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: amethyst roast beef persian

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: Racy gay doctorate

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: Naked Blood Rage Shitlib

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: glittery people who are hurt knife

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: alcoholic community account skinny woman

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: diverse field idiot

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: flirting range

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: aromatic fighting ape

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)