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

...
Honey-headed native
  07/28/25
i guess a HYSA or Cash account in a brokerage
elite library
  07/28/25
In my ass
maroon church building private investor
  07/28/25
ran here
fragrant stage travel guidebook
  07/28/25
...
maroon church building private investor
  07/28/25
isnt that how you earned it?
cerebral blood rage
  07/28/25
T-Bills.
Silver vivacious orchestra pit
  07/28/25
How do you buy these?
Honey-headed native
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Silver vivacious orchestra pit
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
at-the-ready rehab international law enforcement agency
  07/28/25
tyty
Honey-headed native
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Gay Exhilarant Parlour
  07/28/25
The stock market
titillating ruby dog poop area
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Very Tactful Idiot Abode
  07/28/25
But I do need $500k immediately
obsidian mischievous turdskin market
  07/28/25
sgov
burgundy fluffy friendly grandma public bath
  07/28/25
Let me hold it.
Poppy set
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Indigo Ticket Booth Legend
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: Honey-headed native



(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: elite library

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: maroon church building private investor

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: fragrant stage travel guidebook

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: maroon church building private investor



(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: cerebral blood rage

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: Silver vivacious orchestra pit

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: Honey-headed native

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: 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)



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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)



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Date: July 29th, 2025 6:45 PM
Author: Honey-headed native

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: 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)



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Date: July 28th, 2025 4:07 PM
Author: titillating ruby dog poop area

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: Very Tactful Idiot 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: obsidian mischievous turdskin market

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: burgundy fluffy friendly grandma public bath

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: Poppy set

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: Indigo Ticket Booth Legend

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)