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

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Carmine concupiscible toilet seat principal's office
  07/28/25
i guess a HYSA or Cash account in a brokerage
cheese-eating corner circlehead
  07/28/25
In my ass
mind-boggling spot mediation
  07/28/25
ran here
Sooty organic girlfriend
  07/28/25
...
mind-boggling spot mediation
  07/28/25
isnt that how you earned it?
Maniacal institution water buffalo
  07/28/25
T-Bills.
pink narrow-minded field hunting ground
  07/28/25
How do you buy these?
Carmine concupiscible toilet seat principal's office
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
pink narrow-minded field hunting ground
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
cyan really tough guy
  07/28/25
tyty
Carmine concupiscible toilet seat principal's office
  07/29/25
Depends on how much cash you'll need eventually, and how far...
emerald psychic public bath
  07/28/25
The stock market
Onyx 180 Mexican
  07/28/25
few 100k in bask bank, i think it's the highest money market...
Chrome irradiated trailer park pocket flask
  07/28/25
But I do need $500k immediately
Pungent bronze forum boiling water
  07/28/25
sgov
excitant slimy hominid
  07/28/25
Let me hold it.
insecure seedy den
  07/28/25
Short duration muni bonds if I can find some, short term T B...
Fiercely-loyal hideous roommate
  07/29/25


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Date: July 28th, 2025 3:44 PM
Author: Carmine concupiscible toilet seat principal's office



(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: cheese-eating corner circlehead

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: mind-boggling spot mediation

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: Sooty organic girlfriend

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: mind-boggling spot mediation



(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: Maniacal institution water buffalo

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: pink narrow-minded field hunting ground

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: Carmine concupiscible toilet seat principal's office

How do you buy these?

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



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Date: July 29th, 2025 9:03 PM
Author: pink narrow-minded field hunting ground

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: cyan really tough guy

$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: Carmine concupiscible toilet seat principal's office

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: emerald psychic public bath

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: Onyx 180 Mexican

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: Chrome irradiated trailer park pocket flask

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: Pungent bronze forum boiling water

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: excitant slimy hominid

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: insecure seedy den

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: Fiercely-loyal hideous roommate

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)