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

...
buff center
  07/28/25
i guess a HYSA or Cash account in a brokerage
floppy office
  07/28/25
In my ass
khaki haunting mother
  07/28/25
ran here
Hot lodge wrinkle
  07/28/25
...
khaki haunting mother
  07/28/25
isnt that how you earned it?
Marvelous step-uncle's house
  07/28/25
T-Bills.
Spectacular marketing idea circlehead
  07/28/25
How do you buy these?
buff center
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Spectacular marketing idea circlehead
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
odious internal respiration
  07/28/25
tyty
buff center
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Trip twisted area trump supporter
  07/28/25
The stock market
Light mad-dog skullcap electric furnace
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Appetizing ruddy boiling water
  07/28/25
But I do need $500k immediately
exhilarant bat shit crazy principal's office tank
  07/28/25
sgov
Pontificating gold field coffee pot
  07/28/25
Let me hold it.
Silver diverse hall
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Comical sexy twinkling uncleanness
  07/29/25


Poast new message in this thread



Reply Favorite

Date: July 28th, 2025 3:44 PM
Author: buff center



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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: floppy office

i guess a HYSA or Cash account in a brokerage

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



Reply Favorite

Date: July 28th, 2025 3:48 PM
Author: khaki haunting mother

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: Hot lodge wrinkle

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: khaki haunting mother



(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: Marvelous step-uncle's house

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: Spectacular marketing idea circlehead

T-Bills.

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



Reply Favorite

Date: July 29th, 2025 6:44 PM
Author: buff center

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: Spectacular marketing idea circlehead

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: odious internal respiration

$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: buff center

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: Trip twisted area trump supporter

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: Light mad-dog skullcap electric furnace

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: Appetizing ruddy boiling water

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: exhilarant bat shit crazy principal's office tank

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: Pontificating gold field coffee pot

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: Silver diverse hall

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: Comical sexy twinkling uncleanness

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)