\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

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

...
Floppy Site
  07/28/25
i guess a HYSA or Cash account in a brokerage
fishy beady-eyed gay wizard
  07/28/25
In my ass
Big aquamarine nursing home doctorate
  07/28/25
ran here
laughsome masturbator
  07/28/25
...
Big aquamarine nursing home doctorate
  07/28/25
isnt that how you earned it?
autistic personal credit line piazza
  07/28/25
T-Bills.
Primrose Brunch Son Of Senegal
  07/28/25
How do you buy these?
Floppy Site
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Primrose Brunch Son Of Senegal
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Yapping startling mood
  07/28/25
tyty
Floppy Site
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Mint jew
  07/28/25
The stock market
tripping geriatric base death wish
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Boyish pea-brained property headpube
  07/28/25
But I do need $500k immediately
Motley pale psychic
  07/28/25
sgov
exciting codepig
  07/28/25
Let me hold it.
Mind-boggling purple rehab black woman
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Free-loading ticket booth stock car
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: Floppy Site



(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: fishy beady-eyed gay wizard

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)



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Big aquamarine nursing home doctorate

In my ass

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



Reply Favorite

Date: July 28th, 2025 3:50 PM
Author: laughsome masturbator

ran here

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



Reply Favorite

Date: July 28th, 2025 4:14 PM
Author: Big aquamarine nursing home doctorate



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



Reply Favorite

Date: July 28th, 2025 3:58 PM
Author: autistic personal credit line piazza

isnt that how you earned it?

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



Reply Favorite

Date: July 28th, 2025 3:59 PM
Author: Primrose Brunch Son Of Senegal

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: Floppy Site

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: Primrose Brunch Son Of Senegal

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)



Reply Favorite

Date: July 28th, 2025 4:01 PM
Author: Yapping startling mood

$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)



Reply Favorite

Date: July 29th, 2025 6:45 PM
Author: Floppy Site

tyty

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



Reply Favorite

Date: July 28th, 2025 4:02 PM
Author: Mint jew

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)



Reply Favorite

Date: July 28th, 2025 4:07 PM
Author: tripping geriatric base death wish

The stock market

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



Reply Favorite

Date: July 28th, 2025 4:16 PM
Author: Boyish pea-brained property headpube

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)



Reply Favorite

Date: July 28th, 2025 4:20 PM
Author: Motley pale psychic

But I do need $500k immediately

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



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: exciting codepig

sgov

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



Reply Favorite

Date: July 28th, 2025 4:42 PM
Author: Mind-boggling purple rehab black woman

Let me hold it.

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



Reply Favorite

Date: July 29th, 2025 9:12 PM
Author: Free-loading ticket booth stock car

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)