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

...
supple low-t range trust fund
  07/28/25
i guess a HYSA or Cash account in a brokerage
Mauve Place Of Business
  07/28/25
In my ass
Walnut zippy dragon
  07/28/25
ran here
chrome institution kitty
  07/28/25
...
Walnut zippy dragon
  07/28/25
isnt that how you earned it?
Rusted casino keepsake machete
  07/28/25
T-Bills.
Crimson bonkers ratface hell
  07/28/25
How do you buy these?
supple low-t range trust fund
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Crimson bonkers ratface hell
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
deranged station jew
  07/28/25
tyty
supple low-t range trust fund
  07/29/25
Depends on how much cash you'll need eventually, and how far...
khaki electric chad
  07/28/25
The stock market
Fragrant brunch jap
  07/28/25
few 100k in bask bank, i think it's the highest money market...
avocado step-uncle's house
  07/28/25
But I do need $500k immediately
Appetizing Lay Immigrant
  07/28/25
sgov
arousing potus cruise ship
  07/28/25
Let me hold it.
exciting cordovan plaza
  07/28/25
Short duration muni bonds if I can find some, short term T B...
aphrodisiac base personal credit line
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: supple low-t range trust fund



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138014)



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Mauve Place Of Business

i guess a HYSA or Cash account in a brokerage

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138030)



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Walnut zippy dragon

In my ass

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138034)



Reply Favorite

Date: July 28th, 2025 3:50 PM
Author: chrome institution kitty

ran here

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138037)



Reply Favorite

Date: July 28th, 2025 4:14 PM
Author: Walnut zippy dragon



(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138108)



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Date: July 28th, 2025 3:58 PM
Author: Rusted casino keepsake machete

isnt that how you earned it?

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138065)



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Date: July 28th, 2025 3:59 PM
Author: Crimson bonkers ratface hell

T-Bills.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138068)



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Date: July 29th, 2025 6:44 PM
Author: supple low-t range trust fund

How do you buy these?

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49141271)



Reply Favorite

Date: July 29th, 2025 9:03 PM
Author: Crimson bonkers ratface hell

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=2E#49141655)



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Date: July 28th, 2025 4:01 PM
Author: deranged station jew

$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=2E#49138077)



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Date: July 29th, 2025 6:45 PM
Author: supple low-t range trust fund

tyty

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49141276)



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Date: July 28th, 2025 4:02 PM
Author: khaki electric chad

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=2E#49138080)



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Date: July 28th, 2025 4:07 PM
Author: Fragrant brunch jap

The stock market

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138090)



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Date: July 28th, 2025 4:16 PM
Author: avocado step-uncle's house

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=2E#49138109)



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Date: July 28th, 2025 4:20 PM
Author: Appetizing Lay Immigrant

But I do need $500k immediately

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138122)



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Date: July 28th, 2025 4:42 PM
Author: arousing potus cruise ship

sgov

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138174)



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Date: July 28th, 2025 4:42 PM
Author: exciting cordovan plaza

Let me hold it.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49138175)



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Date: July 29th, 2025 9:12 PM
Author: aphrodisiac base personal credit line

Short duration muni bonds if I can find some, short term T Bills.

(http://www.autoadmit.com/thread.php?thread_id=5755696&forum_id=2E#49141684)