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

...
Titillating goal in life point
  07/28/25
i guess a HYSA or Cash account in a brokerage
Red personal credit line
  07/28/25
In my ass
180 step-uncle's house
  07/28/25
ran here
Silver fortuitous meteor striped hyena
  07/28/25
...
180 step-uncle's house
  07/28/25
isnt that how you earned it?
insane mediation menage
  07/28/25
T-Bills.
provocative jet-lagged incel
  07/28/25
How do you buy these?
BarackSodom&GomorrahHusseinObamaBinLaden
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
animeboi
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
very tactful reading party
  07/28/25
tyty
BarackSodom&GomorrahHusseinObamaBinLaden
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Electric Big-titted Legend Gas Station
  07/28/25
The stock market
jade school
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Useless tantric toilet seat center
  07/28/25
But I do need $500k immediately
Lascivious mint location
  07/28/25
sgov
Irate sound barrier
  07/28/25
Let me hold it.
Godawful Gay Wizard
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Refunkulus
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: Titillating goal in life point



(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: Red personal credit line

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: 180 step-uncle's house

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: Silver fortuitous meteor striped hyena

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: 180 step-uncle's house



(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: insane mediation menage

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: provocative jet-lagged incel

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: BarackSodom&GomorrahHusseinObamaBinLaden


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: animeboi (.)

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: very tactful reading party

$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: BarackSodom&GomorrahHusseinObamaBinLaden


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: Electric Big-titted Legend Gas Station

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: jade school

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: Useless tantric toilet seat center

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: Lascivious mint location

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: Irate sound barrier

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: Godawful Gay Wizard

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: Refunkulus (I Always Post Always TP)

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)