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

...
Twinkling codepig senate
  07/28/25
i guess a HYSA or Cash account in a brokerage
Startling karate
  07/28/25
In my ass
domesticated silver locale patrolman
  07/28/25
ran here
Plum Fiercely-loyal Quadroon
  07/28/25
...
domesticated silver locale patrolman
  07/28/25
isnt that how you earned it?
cowardly plaza sandwich
  07/28/25
T-Bills.
Sepia depressive goyim
  07/28/25
How do you buy these?
Twinkling codepig senate
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Sepia depressive goyim
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
well-lubricated casino
  07/28/25
tyty
Twinkling codepig senate
  07/29/25
Depends on how much cash you'll need eventually, and how far...
cerebral faggot firefighter
  07/28/25
The stock market
Adventurous tripping mental disorder
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Angry abode
  07/28/25
But I do need $500k immediately
electric iridescent piazza halford
  07/28/25
sgov
hairraiser olive house
  07/28/25
Let me hold it.
vivacious magenta alpha skinny woman
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Mustard Hyperventilating Principal's Office
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: Twinkling codepig senate



(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: Startling karate

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: domesticated silver locale patrolman

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 Fiercely-loyal Quadroon

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: domesticated silver locale patrolman



(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: cowardly plaza sandwich

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: Sepia depressive goyim

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: Twinkling codepig senate

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: Sepia depressive goyim

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: well-lubricated casino

$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: Twinkling codepig senate

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: cerebral faggot firefighter

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: Adventurous tripping mental disorder

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: Angry abode

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: electric iridescent piazza halford

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: hairraiser olive house

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: vivacious magenta alpha skinny woman

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: Mustard Hyperventilating Principal's Office

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)