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

...
Passionate church building
  07/28/25
i guess a HYSA or Cash account in a brokerage
beady-eyed gunner
  07/28/25
In my ass
Medicated galvanic business firm queen of the night
  07/28/25
ran here
Chest-beating Swashbuckling Fortuitous Meteor
  07/28/25
...
Medicated galvanic business firm queen of the night
  07/28/25
isnt that how you earned it?
180 stubborn stage
  07/28/25
T-Bills.
Motley space
  07/28/25
How do you buy these?
Passionate church building
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Motley space
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
Mind-boggling Frozen Hunting Ground
  07/28/25
tyty
Passionate church building
  07/29/25
Depends on how much cash you'll need eventually, and how far...
deranged canary indian lodge
  07/28/25
The stock market
Know-it-all Razzmatazz Station Goyim
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Flickering pistol
  07/28/25
But I do need $500k immediately
Supple Irate Nursing Home Therapy
  07/28/25
sgov
Titillating Stag Film
  07/28/25
Let me hold it.
Razzle messiness
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Twinkling Property
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: Passionate church building



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



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Date: July 28th, 2025 3:48 PM
Author: beady-eyed gunner

i guess a HYSA or Cash account in a brokerage

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



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Date: July 28th, 2025 3:48 PM
Author: Medicated galvanic business firm queen of the night

In my ass

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



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Date: July 28th, 2025 3:50 PM
Author: Chest-beating Swashbuckling Fortuitous Meteor

ran here

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



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Date: July 28th, 2025 4:14 PM
Author: Medicated galvanic business firm queen of the night



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



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Date: July 28th, 2025 3:58 PM
Author: 180 stubborn stage

isnt that how you earned it?

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



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Date: July 28th, 2025 3:59 PM
Author: Motley space

T-Bills.

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



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Date: July 29th, 2025 6:44 PM
Author: Passionate church building

How do you buy these?

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



Reply Favorite

Date: July 29th, 2025 9:03 PM
Author: Motley space

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=2Reputation#49141655)



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Date: July 28th, 2025 4:01 PM
Author: Mind-boggling Frozen Hunting Ground

$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=2Reputation#49138077)



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Date: July 29th, 2025 6:45 PM
Author: Passionate church building

tyty

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



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Date: July 28th, 2025 4:02 PM
Author: deranged canary indian lodge

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=2Reputation#49138080)



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Date: July 28th, 2025 4:07 PM
Author: Know-it-all Razzmatazz Station Goyim

The stock market

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



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Date: July 28th, 2025 4:16 PM
Author: Flickering pistol

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=2Reputation#49138109)



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Date: July 28th, 2025 4:20 PM
Author: Supple Irate Nursing Home Therapy

But I do need $500k immediately

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



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Date: July 28th, 2025 4:42 PM
Author: Titillating Stag Film

sgov

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



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Date: July 28th, 2025 4:42 PM
Author: Razzle messiness

Let me hold it.

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



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Date: July 29th, 2025 9:12 PM
Author: Twinkling Property

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

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