I'm copping $31,489 a year just from SGOV/GSY Dividends
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Date: January 3rd, 2026 1:41 PM Author: Nighttime chapel
My budget is like $35k, im basically covering shit
This is $86.27 a day FREE money for doing nothing, I can easily live nicely in Asia on that forever
And this is only with abt $720,467, half my NW, in these two ETF
If I went 100% then im making over 60k FREE money thats insane
(http://www.autoadmit.com/thread.php?thread_id=5816853&forum_id=2\u0026mark_id=5310481#49559306) |
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Date: January 4th, 2026 1:15 AM Author: Nighttime chapel
GSY gets .4% more div and it seems safe as furk nigga even if it had max drawdown like in 2020 its 4% and i just shift it into equities:
Risk Type SGOV (0-3 Month Treasury) GSY (Ultra-Short Duration)
Credit Risk Virtually Zero (Backed by the US Govt). Low to Moderate (Corporate debt).
Interest Rate Risk Near Zero (Resets every 90 days). Low (Average maturity is <1 year).
Liquidity Risk None (Treasuries are the most liquid asset). Low (But can widen during a panic).
Max Drawdown (Hist.) ~0.05% (Extremely stable). ~4.50% (Saw stress in 2020).
Yield (Risk Premium) Base Rate (~4.6% - 5.0%). Base Rate + ~0.50% "Risk Premium".
(http://www.autoadmit.com/thread.php?thread_id=5816853&forum_id=2\u0026mark_id=5310481#49560948) |
Date: January 3rd, 2026 8:44 PM Author: wonderful jet business firm queen of the night
Is SGOV a good place to hold cash?
SGOV and similar (VMFXX for one) are generally fine for parking cash. They are likely to result in a loss of real value over time, as they won't beat inflation. However, most of us tend to need someplace to park some cash.Dec 12, 2025
(http://www.autoadmit.com/thread.php?thread_id=5816853&forum_id=2\u0026mark_id=5310481#49560574) |
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