BIL

Secure_Dragonfly8247

Here’s the real answer. Not what stocks, how much you are putting in. My BIL retired at 45 he maxed out his 401(k) at 22 and never stopped.

Substantial_Team6751

SGOV or BIL currently yield around 4.7%. There are tons of incoming producing funds that will yield 7-8% if you are willing to take on some risk.

jazerac

I have a $10mil+ portfolio. Roughly 80% is invested in a variety of fixed income. It generates $450k a year give or take. The other 20% is in more value growth and I swing trade with $500k-1mil. Basically buy stuff when it tanks and sell when it rebounds. For example, I bought $500k in Google after "liberation day" and im up almost $100k in 10 weeks. Easy money... I will sell soon. I also put about $500k in energy as it always rebounds... but it could take a little time but thats ok. Also put $300k in UNH so i will keep an eye on that one as it will rebound in time too. Once I cash out, I will park it in BIL and wait for another "correction" and scoop up the deals. Rinse and repeat. Its a great way to generate some side bucks while your 80% generates safety income. I did this last year so I could buy a $300k supercar. Once you hit a certain portfolio size, you can do whatever you want. Especially if your debt free. Best of luck. Happy to answer any questions.

Theintelligentinv

Hello, thank you for sharing your situation — first of all, I am sorry for the loss of your grandfather. It sounds like it left you on a very solid financial footing, and it's great that you're thinking long-term with money. Here are some ideas based on what you shared: ⸻ 🛡️ 1. Maintain flexibility (optionality) Since you plan to go back to school and might need that money to buy a house, you don't want to put it into something risky or something you can't easily withdraw. The simple fact that you are being cautious already puts you ahead of many people your age. ⸻ 🏡 2. If you need it in 3 to 5 years, the objective is to protect the capital, not to grow it too much Since you are thinking about using that money in the medium term, the most important thing is that it does not lose value. Some safe options: • High Yield Savings Account – super safe, and currently returns ~4–5% annually. • Treasury bonds or money market funds (for example VMFXX at Vanguard) – low risk, higher return than a bank. • Short-term bond ETFs – such as BIL or VGSH. They give a little more, but have some duration risk (interest). ⸻ 📊 3. Don't put everything in stocks with that money You already have good exposure to stocks (VOO, VUG, Nvidia, Apple), and that's great for the long term. But this inherited money should be treated differently, because if the market goes down just when you need that money, you could lose some of the value. ⸻ 🧾 4. Find out if that money has fiscal implications (taxes) It is worth confirming whether the inheritance is taxable. • If it comes from a regular investment account, you will probably receive what is called a “stepped-up basis,” which is very favorable. • If you are coming from an IRA or other tax-advantaged account, the rules change. It would be good to ask the executor or an accountant. It's worth it to stay calm. ⸻ 🎓 5. If you are going to study, save an emergency fund in cash If you're not going to work full time, it's a good idea to set aside 6 to 12 months of living expenses in a secure account (like a HYSA or money market). This gives you stability and prevents you from having to sell investments if there is volatility in the market. ⸻ ✅ Final thought: • You are in an excellent position: no debt, diversified portfolio and long-term mindset. • With that inherited money, the ideal is to prioritize security and flexibility. • Let your investments in VOO and VUG continue to grow in the long term, but protect short and medium term money from volatility.

RED-DOT-MAN

My BIL recently purchased model Y over Lexus mainly because of the EV credits. They recently also got solar so now they get to charge at home for cheap. 100% would have purchased that Lexus if EV credit was not a factor.

33445delray

https://stockcharts.com/c-sc/sc?s=_BIL&p=D&b=5&g=0&i=t0607893375c&r=1751369882537

ResearchNo8631

What is BIL

33445delray

I sold 1200 BIL this morning and plan to buy it back tomorrow morning at a lower price because I will not get the dividend. I would prefer to pay taxes on short term capital gains rather than on interest because I have a carryover capital loss. Is my tax strategy going to work?

Alwaysfavoriteasian

BIL believes in Rocket Mortgage. Says when they finally cut rates, mortgage companies are going to see a run.

TheBarnacle63

$BIL is the best out there for low risk. Paying a 4.58% yield.

Dense-Anxiety6086

I mean yeah relatively speaking they only cut 150BIL yearly and our annual budget is 4.1 trillion so really didn’t do much

stoneycrk55

And his followers believe him!!! They do not see that they are paying the tariffs/tax, straight from my BIL mouth!!! SMDH

ViskaRodd

Why can’t you take your boss’s picks? Is that a rule? QQQ buy, write. Is the strat I would go with on a six month time horizon. The other strat I’d use just to beat the boss would be sticking the cash in BIL and aggressively selling puts on each of his picks.

redracer67

My BIL moved about 50% of his Roth to put into tesla back in January because he thought musk and Trump would be butt buddies for the next 4 years and it would go to the moon. Yes, I called him an idiot 20 times over for many reasons

Due-Tea3607

I will say as a starting investor, or an unskilled investor it is fine. There will be big downturns, but normally they recover within a year of you want to be totally passive.  The SP500 is the benchmark to beat. You can easily spend a lot more effort for worse results. Sector specific funds have a lot more risks, with potentially more upside in the right conditions, but rarely do they win out in the long term, historically speaking.  Once you do more research and have more funds, you can diversify.  This year might be a very iffy one to start though. Indicators for the rest of the year look volatile.  A lot of people are using treasury ETFs on the very short term like SGOV or BIL in a more defensive position for large parts of their portfolio with the mixed signals indicating a significant chance of a major drop.  It depends how much of a potential drawdown you can stomach. Someone close to retirement or dependent on the funds for income won’t have time to wait for a recovery.  But being too defensive means you miss out on recoveries and the general time spent, which usually averages up in normal markets.  Everyone is nervous right now because there is fear that we are heading into abnormal markets. Recessions and financial restarts do happen—not going to pretend it’s all upside.  Ultimately you will have to have emotional discipline, keep educating yourself if you want to pad some extra yield on top of a base SP500 index. 

xiongchiamiov

If you like treasuries (I do, too, but also live in a state with high income tax), VBIL is a newer option from Vanguard that undercuts SGOV, BIL, and the others on expense ratio and thus is normally going to produce the highest yield. TFLO and USFR come into conversation as well. They invest in floating rate notes, which are a thing the Treasury introduced about a decade ago and in fund form are essentially the same thing as the ultra short term bonds funds, but capture a small premium that allows them to produce higher yields despite higher expense ratios. A lot of people like these; personally I'm not quite sure what their liquidity will look like in times of financial stress. The difference between all of these is going to be pretty minimal though, so it doesn't really matter. This is just if you like to be an optimizer.

Kangaloosh

Thanks everyone. I get more confused the more I look into this : ) I'd think / you said treasuries are going to have a lower yield than prime funds.? But based on the [https://yieldfinder.app/money\_markets](https://yieldfinder.app/money_markets) site (thanks u/xiongchiamiov !), the highest money market yield is TFLO at 4.32%.... but that's 30 day SEC. I am used to seeing 7 day SEC yields (is 7 day for $1 funds, and 30 day is for ETFs?). Regardless, that's a treasury fund so I'd expect others (prime / non treasury to be higher? But not seeing them?) u/DoinIt4DaShorteezAny reason not to go with that one? Vs. BIL that is at 4.12? And am I right? A whole 'nuther wrinkle is with an ETF, you will have capital gains / losses as you get in / out of it? So you may be getting tax favorable interest but then taxable cap gains / losses depending on when you sell it (just before / after a dividend). ARGHH! too many variables! Another reason to be fully in the market, at least in my mind ; )

DoinIt4DaShorteez

Divs from Treasury funds and ETFs are generally free from state taxes. The article you posted is paywalled. I'm not going to bother looking up treasury-based money market funds, but BIL, BILS, or SGOV would suit your purpose as ETFs. The ETFs you can sell any time during the day, they dont have any real volatility, and you can turn around and use the sale proceeds immediately to buy something else.

Exciting_Ad_1097

BIL. Short term treasury yield with the option of next day liquidity.

OurNewestMember

>Every month, I deploy 1/12 of the yearly yield (\~$191) into leveraged call options (e.g., targeting 5× exposure to NASDAQ or S&P 500). • I buy 2–3 month expiry options, but roll them monthly to avoid late-stage theta decay. Concept seems pretty reasonable. Were you thinking just outright long call options, spreads or something else? What kind of strikes? I think this is the critical part of the campaign. Also, the 2.3% yield seems icky when you are looking to (I assume) buy call options which would be denominated in USD and priced at 4.1%. I would look into converting some extra CAD to USD and going for at least some of the 4.1% yield (it's common for people to buy US ETFs like SGOV/BIL/etc or short-duration treasury bills) while seeing if I could get an acceptable hedge on rising CAD.USD. Maybe I would feel that I could do some of the 4.1% yield unhedged for forex due to undiversified CAD exposure. I don't know. But I would also look into the forex exposure to understand the cost/benefits.

Alwaysfavoriteasian

My BIL who is probably a closet millionaire, just find companies with good fundamentals. He was stacking PLTR years ago when RDDT just kept calling it a turd. Now I'll buy whatever he says to buy. Why didn't I listen? Anyway, he found a product that sounded interesting. AI that kept getting govt contracts. They had strong fundamentals and he kept buying. Obviously there's thousands of companies, but you need conviction and a small portfolio. He also said to watch max 10 stocks. You can't have a giant portfolio and be able to pay attention to all of them.

BusyBee7729

If this is safety net cash, keeping it low risk is smart. A HYSA or a Fidelity money market fund (like SPAXX or FDLXX) is are good options, both are yielding close to 5% right now. You might also look at short-term Treasury ETFs (like BIL or SGOV) for slightly better tax efficiency. Just make sure whatever you pick is liquid and low-volatility if you might need it soon.

DoinIt4DaShorteez

Stick with term if that's what you have it for, and put the rest of your investable money into a HYSA or a short-duration treasury note ETF like BIL, BILS, SGOV. You have the right instinct, whole life is a shitty investment product.

Unlucky-Fun-378

2-5% per year? Or per month? If per year then just bit SGOV or BIL. They yield 4.5% risk free. If you want 2-5%+per month then buy high yield ETF from Yieldmax (e.g TSLY, MSTY) or roundhill (e.g. QDTE, XDTE). If you want 2-5% per week then go with options trading

OurNewestMember

What margin regime at webull? If it's reg-T, there's a decent chance boxes are margined at 100%. But if you still wanted to trade on top of the 100k deposit, maybe you could check the margin requirement on short duration funds like SGOV/BIL/BOXX/etc? And if that's still too high, maybe check their margin requirements for plain old T bills. Theoretically you could just suck it up and take the 100% margin requirement on the box and then if you're dying to trade just sell the box, but that feels like unnecessary exposure to the possibility of bleeding your yield with wide spreads. Do you have futures options on Webull? Maybe a european style box there, and then if you need to release funds you could sell a shorter dated box or at least have a variety of choices (keeping in mind futures have different regulatory and margin regime, so that may not always be right). Regarding cost basis tracking, that is a bit of a crapshoot when moving risk assets between brokers.

Iwubinvesting

XEI.TO, BIL, GLD, BRK.b Slow and steady move out of qqq and voo

PuzzleheadedHand6836

No free lunch! Clever idea, but margin interest is usually higher than BIL’s yield, you’d end up losing money on the spread.

rithsleeper

The 90k in a brokerage you say you keep putting into a CD, I can’t see any argument to not move that into sgov or BIL. It’s liquid. Now maybe you are worried rates will drop and you want to lock in a lower rate for a longer time? Seems like you are worried about a job loss though. Which seems like this solves you problem. With the Roth taking out your contributions, my cpa said you just have to document it specifically and keep the records of what you are doing. I’m sure your tax advisor knows how to do it. This just seems like a risk mitigation for you. Personally I feel you are really playing it way too safe. You have multiple sources of income, even selling your rentals you still could have close to a million simply gaining 4.2% a year. That’s 42k. What are your living expenses? And that’s the safest of any choice but will streamline and simplify your risk mitigation. But for a decade before retirement? Seems like you could move to some sort of 60/40 portfolio. 60 bonds that is to keep risk down. My risk tolerance is a lot higher than you and only have about 400k in net worth. But you’ve got a couple of super easy no brainer fixes to make. I’d personally be taking some positions and selling premium against it. Capping gains and reducing potential losses. That’s a whole can of worms though. Not something you want to do at your age and your risk aversion.

rithsleeper

Remember you can take out any contribution to your Roth IRA, just not your earnings. So over next 3 years you max out 8k a year and have 24k and say the market rockets up from here, you can still access that 24k. However, down, not so much. But also at your age prob don’t want to have all in an sp500 index. You could simply hold bonds and not be taxed like your brokerage. If it were me I’d definitely utilize the Roth as much as possible. (No wife to double down?). Also you can simply hold short term treasuries that would prob return more than your CD and still be liquid. Like SGOV or BIL. No risk like even 2-10 year treasuries but basically the same. If you hold for more than 3 months even the biggest bond crash would still break even. Now it just becomes a risk tolerance at this point if you want to put money into an sp500 index or not like VOO. But sounds like you are holding CDs which imo never makes sense when you have a brokerage. Maybe 10 years ago? But not now .

i_ask_stupid_ques

I know trust you mentioned that long term treasury rates have spiked. But you should also look into short term treasury rates. They are also into the five percent range and they do not lose a lot of value like long term ready etfs can. Some of the examples are SGOv and BIL. Both of those invest in short term treasuries of zero to six months duration and are currently giving between four to five percent per year.

mchu168

You're probably right. But if you don't have a bet either way, short duration bills are the way to go. Something like SGOV or BIL should do the trick.

MomentSpecialist2020

$BIL is better than cash.

burner46

People are still trying to push Dinar?  I remember my ex’s BIL was doing that back in like 2009. 

xiongchiamiov

VBILX is a different thing. VBIL is just a money market fund that buys short-term treasuries. It is no less principal-protected than buying the treasuries yourself - just more convenient (and you pay a very small management fee). If you looked at a graph and were scared, the NAV goes up according to the rate of t-bills until the monthly dividend distribution, at which point money is distributed out and the share price goes down accordingly; VBIL is fairly new but you can look at SGOV or BIL to see how it happens. There is effectively no risk of losing principle. If you want to be protected against interest rate risk, then you need to move to as short a duration as possible - which means CDs are the wrong direction.

picklikewarren

You want to buy a house within 2 years. That makes this **not an investment** anymore — it’s a **savings goal**. For money you need in the short term, capital preservation beats return. A market downturn could wipe out years of gains right when you need the funds. **Sell at least 70–100% of your TMUS position** and move it into safer instruments. **High-yield savings account or money market fund** – low risk, 4–5% APY. * **Short-term treasury ETFs** (e.g., SHV, BIL) or a short-duration bond ETF. * Keep some liquidity in case housing opportunities arise earlier.

swampassOG

Why can't we just buy BIL at the beginning of each month and sell on the 28th?

Neel_Crashkari

Why can't we just buy BIL at the beginning of each month and sell on the 28th?

talaabo

How much of your port is in BIL?

sufferpuppet

Move a portion into BIL. It's a T bill fund that pays monthly dividends. It returns 4-5% a year so the money will still be doing something. If the market shits the bed that fund won't notice. Then you'll have a reserve to buy the dip with.

shapes350

Sell it all, park in BIL, buy when dip

elbrollopoco

FYI you can hold the effective beta weight of this $600k using ~7 es emini futures contracts while using only $100k margin and dump the rest in BIL or something for an extra $2k a month. Also you’d pay at least 10% less in capital gains on it and there’s no wash sale rules.

MightBeWorking_003

Why is noone mentioning BIL? ... Easy money for dividend, I mean if you want to argue its not technically a stock representing a company..maybe you have a point but super worth investing into at least so far.

greytoc

Which broker do you use? Easiest way to invest in short duration treasuries is just to use a money market mutual fund. Pretty much all brokers have them. You can also use slightly longer duration (avg 30 days) and use something like SGOV or BIL. If you want to take a bit more credit risk - a target maturity 2025 investment grade fund like BSCP has a yield-to-worst of 4.56%. If you want to take on even more risk - a target maturity 2025 high-yield fund like BSJP has a yield to maturity of 5.45% and yield-to-worst of 4.69%. You can always split the allocation between funds to average out your interest rate and credit risk. If you use a target maturity fund - make sure your broker doesn't have weird corporate action fees when the fund liquidates. Some reading material if you are unfamiliar with the terminology that I used. [https://www.pimco.com/resources/education/everything-you-need-to-know-about-bonds](https://www.pimco.com/resources/education/everything-you-need-to-know-about-bonds) [https://www.invesco.com/us/en/solutions/invesco-etfs/bulletshares-fixed-income-etfs.html](https://www.invesco.com/us/en/solutions/invesco-etfs/bulletshares-fixed-income-etfs.html)

lovo17

Good opportunity to park some cash in SGOV or BIL for the time being.

jazerac

Exactly... never be so heavily skewed in one stock. Sell that shit, put it in BIL and wait patiently for the next opportunity.

frolickingdepression

Yes, I know. SIL and BIL did not take out a mortgage. It kills me that they made that much money by making a mistake.

Dry_Bug5058

Classic NPD trait. I have one boss out of 2 like that and my BIL. Best to avoid completely at all possible and ignore otherwise.

frolickingdepression

That won’t help. It will just drive up prices, which are still crazy. SIL and BIL bought a $700k house last fall, decided they wanted something smaller, and sold it for $950k this spring, no improvements.

AtlanticJim

This is the most basically wrong view when trading. THE MARKET DOESNT CARE WHAT YOU LIKE OR USE!! IT MEANS NOTHING!! My naive BIL came into some money early this year and said "I'm going to invest in home building stocks because that's what I know about" ITB ... down 11% in three months ... I couldn't be happier ... what an idiot.

Maximum-Ruin5448

My BIL has a business that does a fair bit of international trade. He told me that all his business with Canada is essentially gone due to tariffs.

Affectionate-Roof285

Copying this for my BIL who voted for Trump because of the bad economy 🤦‍♂️ under BideN and thinks tariff’s and price increases/empty shelves are needed.

sleepyHype

Bought more BIL for my roth

Mimir_the_Younger

I’m in BIL, so… no? (It’s a 1-3 month treasury ETF that pays monthly dividends)

andybmcc

Those government MMFs are mostly repos. Another option is short term treasury bill ETFs like SGOV or BIL which are conveniently state tax exempt.

Livid_Engineering_30

I’m even down in my T BIL ETF lololol

GreaterThanOrEqual2U

this is how my sister and BIL justified the shit show. "It might hurt us in short term, but long run itll be good for us, plus people still think more about what they're buying".

too-much-shit-on-me

The PPP shit kills me. I live in a HEAVY Trump area and all of those assholes took PPP loans and not a single one of them ever did anything different. Same with the businesses in the area. My BIL banked $400k while he just kept on doing his things. Meanwhile I had to shut down for 2 months and use all the money paying employees and rent.

skymagic

Balls deep in BIL, rationing rice, I'll climb back $0.01/year!

Elegant-Raise

I'm now in an insurance annuity fund. It tracks like $BIL does, and has the same weird saw tooth pattern is playing out. The one I'm in starts out at about $11 a share, it doesn't have a ticker but it's set up by the 401k company. No fees at all BTW which I'm also tripping on.

skymagic

Low volume in WSB as everyone’s out celebrating port back to ARH, me here rationing rice until next batch from BIL gains

DoinIt4DaShorteez

If you look at the yield for treasury etfs on most financial websites, it's going to represent the yield for the last 12 months. Rates went down during a lot of 2024, so the yields you see on those sites are going to be inflated. For example, I have a bunch of BIL (1 - 3 month), and if I look on a site like Marketwatch or Yahoo, they say 4.76% and 4.85%. But the last few months, BIL has been going up a penny a day, which translates to about 4%. Even my broker uses the trailing 12 months to project how much I'm going to get. A year ago I was getting around $950/mo on my BIL holdings; last month it was $745. Any of the short-term gov't etfs are fine, throw a dart. It's not worth sweating 0.1% unless you have a shitload of money.

potato111a

REAL, HOW DO U BEAT, 70BIL BUYBACK, AND BE UP LESS THAN 2%?? 

Echo-Possible

Well your BIL is wrong because Occidental is down 20% YTD and down 40% YoY. Buffet has been holding his original shares through the last year and buying more. So he's down significantly on his shares. Easily avoided if he was trying to time the short term macro. This simply isn't Buffet's investing strategy. He's stated this over and over.

ABadHistorian

MY BIL said it was and remains a wise investment then regardless of the tariffs. As I said, no one. NO ONE was expecting Trump to come out with a tariff plan based off of numbers made by an elementary kid.

AbleSilver6116

This is so funny to me because my BIL sells solar and voted for Trump. He seemed like he regretted it and didn’t defend the orange dummy at Easter lol

Left-Handed_Stranger

If all you want is basically liquid cash I would suggest: BIL, SGOV, SCUS, ICSH, JPST.  All of those are cash equivalent funds. It is basically impossible to time exit and entry points in the market.  If you have a good mix of stock/bond (80/20, 70/30) then in bear markets you can reallocate money from your bonds into your stock funds.

SisterActTori

Your BIL’s pension is tied to the SM-

Decent_Project_3395

If you are buying a house, take the money and put it into something that is rock solid stable. The stock market could crash 80% and take 30 years to recover. I am not saying it will, but that is a possibility. You keep the short term money safe, which means money market, CD, SGOV, BIL, something like that. No risk on that stuff, because a downturn is good for you if you hold cash, and really bad for you if you are in stocks. Like, in a downturn, housing prices will drop and/or interests rates will drop, which makes it easier for you to buy a house. So you want that cash on hand ready to go.

kiwimancy

Your conclusion is right but your logic is wrong. BOXX has low duration because it holds long box spreads with short expirations. So does a TBill fund like BIL or SGOV, or a floating rate fund like USFR, or a money market fund. As such, they are all minimally affected by changes in yield. It is not about the kind of instrument it holds but the duration.

Senile-Mango-Man

Buy BIL and get monthly interest income

OurNewestMember

Some other general points I'd want to consider: \- Which brokers support what I need -- all of the instruments for currency (plus any "regular" brokerage needs I might have) plus basic cash management (eg, ability to deposit in various currencies, hopefully cheap FX conversion, etc). Products and platforms that let me adjust positions before/after work (so I don't pay unnecessary interest), etc. Do they have flexible alerting so I can quickly adjust if one of my balances falls negative (again, so I don't pay unnecessary interest). Should I pay more for a full service broker that I can get on the phone to explain any weird settlements or charges? \- Am I comfortable with cash management? In the US, it's common for folks to use fixed income ETFs like SGOV or BIL to immediately convert arbitrary amounts of currency into yielding instruments regardless of account type. If I buy spot A.B and then buy sovereign debt with the cash A proceeds, do I understand the duration and interest rate risk (plus slippage) I've added onto my currency trade? Do I understand how each alternative instrument affects my ability to manage the account (eg, bond ETFs sometimes get margined so high that it prevents you from having many open resting orders to manage/plan for future cash flows; sometimes you need to use a special and possibly costly web/phone system to trade sovereign debt via some broker; etc.) \- Am I comfortable with margin calculations and settlement dates and cutoff times? Can I accurately predict scenarios and events that will increase my costs? (eg, FX/CFD/futures margin sweeps that could create margin loans or trigger other fee-based services) \- Do I understand the impact of broker policies and fees? Eg, if the broker commissions are high, as a result I might keep the lower-yielding currency around much longer than ideal or be slower to convert either currency into fixed income, increasing my costs.

kiwimancy

It does not make sense. High quality bonds are mostly uncorrelated with stocks, not anti-correlates, so they are not a hedge. They are a diversifier though. FBND has the same trailing ten year return as the bonds it holds. Well actually it is an active fund so it may or may not have outperformed based on the managers' trading. It has beaten treasury bonds and bills over the past ten years. https://stockcharts.com/freecharts/perf.php?FBND,BIL,BND,IEF,TLH&p=6

vonblankenstein

They did! Yet conservatives lap up every word like it’s pure truth. When I pointed it out, my BIL said “well they all lie.” Keep telling yourself that, buddy.

Mimir_the_Younger

I just bought Berk (long hold) and BIL (3 month bond, I think), because nothing makes sense in this market. Berk will drop, but I’ll buy the dips. It’s the only thing I trust. Gold is so high, I’m scared to buy at the blow off, and mining stocks are long term bunko for reasons affecting all stocks. Commodities in general will tank because development will halt, cratering demand. IMO

sol_beach

Key ETFs: SPDR Bloomberg 1-3 Month T-Bill ETF (BIL): iShares 0-3 Month Treasury Bond ETF (SGOV): Global X 1-3 Month T-Bill ETF (CLIP):

Same-Speaker7628

My BIL is a tattoo artist, and he's been seeing the decline since the inauguration. He's booking as many as possible for as long as he can because he worked through 2008 and knows the deal

LetsGoHokies00

BIL or SGOV are both good options, not sure they’re really one better than the other. but if i were you i put everything in one immediately you’re just missing out on the 4.75-5% gains in the meantime. gl

Complex_Mention_8495

Does this mean the T Bills and also the related Etfs (TBIL, SGOV, BIL) will see rising interest rates?

bikeman11

BIL. Short terms treasuries yielding 4.5%.

bikeman11

BIL. Short terms treasuries yielding around 4.5%. Little interest rate risk since they are short term. And if treasuries go to hell, nothing else matters.

victormesrine

So did a short research. If this does happen. One could consider going to VXUS instead of VTI and IAGG for fixed income instead of BIL. If Powell is fired, new Trump’s yes man will drop rates. Inflation and $$$ devaluation will be the outcome.

victormesrine

What ETFs can one move money in USA to fully divest from US economy? VXUS come to mind. Where can I put the money if I want EURO equivalent to BIL or SGOV? Or Swiss Frank? If my assumption that inflation will skyrocket in USA, and stock market falls. What would be equivalent of SPY, BIL in other stable market?

SSkilledJFK

BIL moved there a year ago in response to the US situation. My wife and I are thinking about starting the process.

RemiThePsychoDog

You're comparing apples to oranges. BND has 5-6 year duration. BIL would be a better comparison

Ferret_Aware

What about SGOV or BIL from the state and federal tax standpoint?

remfem99

Yes my BIL is one. He has the money for one, but it kinda grossed me out for some reason.

MrMcChronDon25

My BIL imports shitty toys from China to sell on amazon or at target, think like fidget spinners and those “20 at a time!” Water balloon fillers. Like actually shitty almost 1 time use kinda shitty toys. Stocking stuffers at fucking best. This dude emphatically voted for trump multiple times. I don’t want to see my sis suffer from his stupidity but goddamn, you have to be dumb to vote for the guy that actively told you he was going to kill your business.

BlueSwoosh248

My BIL is asking if the IRS being abolished or if he has to file yet. Idk bro.

skyhawk718

Do you know if you have to wait a lengthy period of time to withdraw cash if invested in BIL or SGOV when using Robinhood or similar platform? Trying to decide if I should keep something close by or put most of it in.

JohnDuffy78

4 stocks I'm actively trading and need to use google for price. MO, SVIX, ABR, BIL

Tricky_Target_7050

Monday is going to be a bloodbath, and this is BEFORE the EU responds. The longer the market is in freefall, the harder it becomes for MAGA and Trump to spin it. Since January, my BIL has lost almost 23k on his 401K.

Araniet

He's the BIL of the famous CEO of Faground Faindaut LLC, right?

ARoseandAPoem

I can’t wait to ask my BIL how he feels about it at our next family gathering 

Fishtacos3000

I’m sitting on the cash until some level of sanity returns to this country. We are in unprecedented times. No president has ever purposely tried to destroy the economy before, and conventional investment wisdom no longer applies. I’m perfectly fine parking it in BIL at a boring 4% while I wait for the world to stop burning.

bullmarket2023

BIL

missmytater

My BIL told me this yesterday! By the time the market recovers to this level, I will probably be dead. (I am 70)

ryan69plank

if Coffee beans price starts falling soon I think SBUX is a nice entry... pretty much anything with a big moat around it and are in multiple countries. right now Coffee is still too high and global slowdown and recession fears I'd stay away from SBUX for the super short term but maybe July I'll buy some. depends on Coffee beans.... other stocks I'm buying are BIL and AAA.asx maybe some IBIT soon and SLV especially if the gold silver ratio gets above 115 I'm loading harder. short term I'll scoop some more NEM thanks gold miners Maybe even some GLDY

MenuOver8991

My Dad likely doesn’t know what tariffs are and bought the lie that the exporting country paid them. My mother in law likely thought that the idea of blanket tariffs were a negotiating tactic to bring companies back. Famously, she doesn’t know how ships stay afloat and likely doesn’t understand how long it takes to ramp up industry. My BIL is into crypto and conspiracy so he thinks Trump is playing 5D chess and he’s immune. He’s also a state employee so his job is safe(r) from the whims of the market. These are all bad but the biggest middle finger goes to the non-voter. F you and your apathy.

squareplates

I've been waiting for this. Up $2800 Friday. Cash + BIL + TSLA put + 12x BF/B puts + 2x SPX call credit spreads all in the green. I lost a little holding some lpsn, that was my only bit of red. I'm looking for VIX to drop before we hit the bottom. Then I can port in $250K with leverage and join you millionaires when we recover.

National_Cod9546

My BIL was initially all for locking up everyone involved on Jan 6. Now he claims they were trying to stop the steal and were right. Best part is, he claims that was his position all along.