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

...
peach razzmatazz home black woman
  07/28/25
i guess a HYSA or Cash account in a brokerage
thriller shrine
  07/28/25
In my ass
Glittery balding field
  07/28/25
ran here
Disturbing Offensive Stage
  07/28/25
...
Glittery balding field
  07/28/25
isnt that how you earned it?
concupiscible indian lodge circlehead
  07/28/25
T-Bills.
Violet Crackhouse
  07/28/25
How do you buy these?
peach razzmatazz home black woman
  07/29/25
In order of simplicity: 1. Buy SGOV etf (you will pay a ...
Violet Crackhouse
  07/29/25
$125k in high yield corporate bonds (e.g. SPDR POrtfolio HY ...
dead public bath macaca
  07/28/25
tyty
peach razzmatazz home black woman
  07/29/25
Depends on how much cash you'll need eventually, and how far...
Confused skinny woman tanning salon
  07/28/25
The stock market
azure stirring lodge
  07/28/25
few 100k in bask bank, i think it's the highest money market...
talking bespoke boistinker
  07/28/25
But I do need $500k immediately
marvelous nowag sanctuary
  07/28/25
sgov
apoplectic tan stain
  07/28/25
Let me hold it.
onyx electric casino
  07/28/25
Short duration muni bonds if I can find some, short term T B...
disrespectful curious death wish
  07/29/25


Poast new message in this thread



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Date: July 28th, 2025 3:44 PM
Author: peach razzmatazz home black woman



(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: thriller shrine

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: Glittery balding field

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: Disturbing Offensive Stage

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: Glittery balding field



(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: concupiscible indian lodge circlehead

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: Violet Crackhouse

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: peach razzmatazz home black woman

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: Violet Crackhouse

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: dead public bath macaca

$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: peach razzmatazz home black woman

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: Confused skinny woman tanning salon

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: azure stirring lodge

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: talking bespoke boistinker

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: marvelous nowag sanctuary

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: apoplectic tan stain

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: onyx electric casino

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: disrespectful curious death wish

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)