Where would you keep $500k cash you don't imminently need?
| Honey-headed native | 07/28/25 | | elite library | 07/28/25 | | maroon church building private investor | 07/28/25 | | fragrant stage travel guidebook | 07/28/25 | | maroon church building private investor | 07/28/25 | | cerebral blood rage | 07/28/25 | | Silver vivacious orchestra pit | 07/28/25 | | Honey-headed native | 07/29/25 | | Silver vivacious orchestra pit | 07/29/25 | | at-the-ready rehab international law enforcement agency | 07/28/25 | | Honey-headed native | 07/29/25 | | Gay Exhilarant Parlour | 07/28/25 | | titillating ruby dog poop area | 07/28/25 | | Very Tactful Idiot Abode | 07/28/25 | | obsidian mischievous turdskin market | 07/28/25 | | burgundy fluffy friendly grandma public bath | 07/28/25 | | Poppy set | 07/28/25 | | Indigo Ticket Booth Legend | 07/29/25 |
Poast new message in this thread
 |
Date: July 29th, 2025 9:03 PM Author: Silver vivacious orchestra pit
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)
|
Date: July 28th, 2025 4:01 PM Author: at-the-ready rehab international law enforcement agency
$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)
|
Date: July 28th, 2025 4:02 PM Author: Gay Exhilarant Parlour
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) |
|
|