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

...
beta useless senate macaca
  07/28/25
i guess a HYSA or Cash account in a brokerage
fear-inspiring glassy lodge
  07/28/25
In my ass
Seedy self-absorbed karate
  07/28/25
ran here
Clear razzle round eye
  07/28/25
...
Seedy self-absorbed karate
  07/28/25
isnt that how you earned it?
Multi-colored Fiercely-loyal Idea He Suggested Box Office
  07/28/25
T-Bills.
spruce trust fund
  07/28/25
How do you buy these?
beta useless senate macaca
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
spruce trust fund
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
swashbuckling walnut location
  07/28/25
tyty
beta useless senate macaca
  07/29/25
Depends on how much cash you'll need eventually, and how far...
light 180 messiness fat ankles
  07/28/25
The stock market
Khaki Stain
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Poppy Ticket Booth Pocket Flask
  07/28/25
But I do need $500k immediately
Excitant puce gaming laptop therapy
  07/28/25
sgov
translucent cumskin site
  07/28/25
Let me hold it.
fighting stag film chad
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Burgundy Water Buffalo
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: beta useless senate macaca



(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: fear-inspiring glassy lodge

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: Seedy self-absorbed karate

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: Clear razzle round eye

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: Seedy self-absorbed karate



(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: Multi-colored Fiercely-loyal Idea He Suggested Box Office

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: spruce trust fund

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: beta useless senate macaca

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: spruce trust fund

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: swashbuckling walnut location

$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: beta useless senate macaca

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: light 180 messiness fat ankles

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: Khaki Stain

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: Poppy Ticket Booth Pocket Flask

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: Excitant puce gaming laptop therapy

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: translucent cumskin site

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: fighting stag film chad

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: Burgundy Water Buffalo

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)