Where would you keep $500k cash you don't imminently need?
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Date: July 28th, 2025 4:01 PM Author: Real Estate
$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...id.#49138077)
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Date: July 28th, 2025 4:02 PM Author: 40-50x more gay and autistic than you
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...id.#49138080) |
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