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

...
emerald diverse karate
  07/28/25
i guess a HYSA or Cash account in a brokerage
Scarlet swashbuckling mediation
  07/28/25
In my ass
rebellious gold becky native
  07/28/25
ran here
Wonderful clown casino
  07/28/25
...
rebellious gold becky native
  07/28/25
isnt that how you earned it?
Ruby Floppy Temple
  07/28/25
T-Bills.
sapphire field boiling water
  07/28/25
How do you buy these?
emerald diverse karate
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
sapphire field boiling water
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Maniacal electric house sandwich
  07/28/25
tyty
emerald diverse karate
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Hideous odious cruise ship codepig
  07/28/25
The stock market
indecent university
  07/28/25
few 100k in bask bank, i think it's the highest money market...
judgmental rehab feces
  07/28/25
But I do need $500k immediately
arrogant comical pozpig
  07/28/25
sgov
Underhanded pit
  07/28/25
Let me hold it.
irradiated sepia property knife
  07/28/25
Short duration muni bonds if I can find some, short term T B...
coral tanning salon cumskin
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: emerald diverse karate



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: Scarlet swashbuckling mediation

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: rebellious gold becky native

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: Wonderful clown casino

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: rebellious gold becky native



(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: Ruby Floppy Temple

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: sapphire field boiling water

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: emerald diverse karate

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: sapphire field boiling water

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: Maniacal electric house sandwich

$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: emerald diverse karate

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: Hideous odious cruise ship codepig

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: indecent university

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: judgmental rehab feces

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: arrogant comical pozpig

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: Underhanded pit

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: irradiated sepia property knife

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: coral tanning salon cumskin

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)