BIL
SPDR® Bloomberg 1-3 Month T-Bill ETF
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For non-americans: what is the best fixed income asset to build emergency funds?
too many people sleep on TTWO (Take Two interactive)
Suggestions on tickers to park some money while looking for other opportunities
Why are there steep drops in $BIL but not in $CLIP
Using t-bills instead of cash for your Cash Secured Puts / Wheel
Alternatives to BIL that collect dividends?
Are there any US Domiciled MMF ETFs that are accumulated and swap based just like CSH2 and SMTC?
How to get Robinhood Gold for **FREE** - FINANCIAL GURU
Short term treasury ETF “BIL” down as much as 5% tonight on Schwab
Offsetting Previous Losses While Continuing to Invest for the Future
UXIN — China Used-Car Dumpster Dive
Why does the graph of some bonds look like a sawtooth wave while others don't?
Why are Israel Defence Stocks such as ELBIT not Stonking now!
Moving 200K from HYSA to treasury ETF. Confusion regarding USFR vs BIL
Is there a difference between parking money in T-Bills and parking money in $BIL?
Beating directly holding S&P 500 by selling deep ITM puts?
BOXX - Fixed Income Emulator - No Withholding Taxes?
Anyone have experience with US Treasury FRNs? (Floating Rate Notes) ?
Best Investment Without Actually Buying Treasuries? Am I wrong?
What is safer now for cash? Keep in Bank account (less than $250K) or T-Bills / SGOV / BIL?
Fed's 12-Month Recession Probability Soars To Levels Unseen Since 1982
What are some safe overnight bonds / ETFs that I can exit any day easily?
50 Mil in profit after 2.2 BIL in sales👁👄👁
Finding a way to offset last year capital gain losses using fixed income
Table of Money Market Funds/ETF's or Ultra Short Term Funds/ETF's available on Merrill Edge
In terms of risk and yield ( not inc. mgmt fees), how is purchasing a 4 week T-Bill better than buying BIL ETF.
$NIOBF Awesome presentation by #Niocorp Jim Sims on July 2022, before the US Energy Assoc
US Department of Energy awards $2.8B to Battery Materials Processing and Battery Manufacturing companies
US GOVT grants $MVST 200 million dollars for free… At a market cap of $600m
Microvast (MVST) and General Motors win $200M from the Department of Energy for battery component factory
T-bills: 3.29% apr for 3 month & is going up with rate hikes
Large cash position, keep it in cash or invest it in BIL (1 - 3 month treasuries) or elsewhere?
Sister and BIL are the beneficiaries of my trading account
If I'm going to hold a lot of cash for a few months, is keeping it in a T bill ETF like BIL a good idea?
GME is done: a Guide for Even the Most Retarded to Understand.
DD on ONOV absolute gem thats currently under the radar
AAZ.C IS GETTING DEAL AFTER DEAL, I EXPECT THIS TO BE A $1BIL COMPANY IN 5-10 YEARS (currently 30 mil)
Mentions
Over $2BIL in volume today 🤣
I'm not kidding that could've been me. They were resurfacing the little league carpark across the road so me and 40 to 50 other families had to use the Costco carpark. Me, my BIL and 2 other dad's I'd just met decided today was the day to join Costco because we're already there and we got a good park due to the early game.
Me too. But my BIL did send 40k of my sister's hard earned money to some hot chick in Vietnam. He did do his DD and Investment thesis was that the gal's got an uncle who invests and will buy Bitcoin under my BIL's name. So a good saleswoman does make a difference.
BIL SGOV Super strong momentum and growth stocks.
Haha. All of Reddit is a counter indicator and this post is exactly why. I have a BIL looking at one of the indices that predict a recession and pulled out completely almost two years ago. I’m up 70% since then.
with the 300BIL we gave Iran, shouldn’t we add them to S&P500?
Treasuries. I doubt you know how to actually buy treasuries so buy treasury ETF like BIL.
Eh. My BIL and SIL are Princeton grads. Smart af, but both went to public high schools from upper middle class families. That Princeton econ degree opened up a shitnton of doors in banking, PE and now hedge funds, tho.
Selling naked options is not limited risk. If you want steady income with no risk, buy T-Bills or ETF BIL. If you will accept some risk, buy blue chip dividend paying stocks.
🤔 My BIL works for them. I’ll have to ask him if it’s worth buying in.
I wanted my money to be super safe so I split it between SGOV and BIL. Never have all your eggs in one basket
Not a big deal but I bought BIL on margin heading into the weekend because my sold calls ended ITM and therefore I would get assigned and get the money back for the margin. Only 11 of the 17 were assigned. No idea why as it was clearly ITM.
Sorry forgot to warn you all to buy BIL or SGOV to get some interest over this holiday weekend. My bad!
You know my BIL is a gambling addict when he trying to play home depot earnings lol
DRAM Chinese CXMT 1st half Revenue $17.62 BIL - almost as much as MU, they just began (yahoo finance) eager to watch MU now? will they leave MU in the dust?
BIL is a boglehead, we get along great, he doesn't lecture me about VTI at allllllll /s
A treasury ETF (like SGOV or BIL or BILS), when you sell, you have to wait a day for the trade to settle before you can move the cash. I don't know how HYSAs work as far as that goes.
Yeah, my BIL is one of those gamblers and I’ve never heard of him talk about any of his losers, only his winners.
1) Keep house money safe if you want to buy (0–24 month horizon): Money market or SGOV/BIL ETF. 2) Emergency fund (6 months essential expenses): same as first tier. 3) Make sure your retirement fund is on track. 4) Invest the rest long-term: - One-fund: VT - Or two-fund: VTI + VXUS - Add BND if you need less volatility. - Add VOO for more US large cap exposure. 5) Dollar-cost average and rebalance yearly. Avoid stocks/crypto with any money you can't afford to lose or might need in the next 2-3 of years.
Gary used StockCharts.com when he showed our investment group this method. He set the look back to 252 days (trading days per year) I use the stocks app built into my iPhone and just compare BIL, VEU and SPY with a 1 year look back.
HYSA gains are taxed as income, while SGOV/BIL avoid state taxes. After taxes, SGOV usually returns more. However, the funds are less accessible in SGOV. You need to sell it in your brokerage, then transfer, then wait for it to become available. I keep enough funds to cover about 1 month of expenses. This can easily hold me down for bills, and cover most major emergency expenses I’ll encounter. It works as a buffer in case I need to transfer funds from SGOV. I also pay off my credit cards in full every month, so I have that as another buffer if needed. If you live in a state without income tax, get a HYSA. If you live in state that does have income tax, I’d opt into SGOV with a small cash safety cushion.
Got a question from my brother-in-law this weekend that I've been chewing on all morning: with oil at $99 WTI and Brent over $111, should he be rotating any of his retirement allocation into energy or defensive names? What finally clicked for me on this is that "rotation" is the wrong frame for someone holding a target-date fund or a 3-fund portfolio. The energy weight in VTI is already \~4% — it's there. If oil keeps ripping, you're already participating. The actual question to ask is whether your cash drag is appropriate given the inflation re-acceleration risk. Persistent $100+ oil for 3–6 months would push CPI back up and the Fed would have to delay cuts — which hits long-duration assets like growth and real estate disproportionately. The framework I've been using is to score my individual holdings across a few dimensions instead of just sector tilts: – Pricing power (can the company pass through cost increases?) – Cash flow durability (recurring vs. cyclical) – Balance sheet strength (low leverage matters way more in a high-rate, high-oil regime) – Valuation discipline (am I paying a growth multiple for what's actually a cyclical?) There's a screener app I've been using that breaks this kind of analysis into separate pillars instead of a single "buy/sell" signal — it's been useful for not getting whipsawed every time a macro headline drops. Lets me see why a name screens well, not just that it does. Tactical answer for the BIL: don't rotate. Make sure his allocation can survive sticky inflation, then let the energy weighting in his index funds do the work.
Got a question from my brother-in-law this weekend that I've been chewing on all morning: with oil at $99 WTI and Brent over $111, should he be rotating any of his retirement allocation into energy or defensive names? What finally clicked for me on this is that "rotation" is the wrong frame for someone holding a target-date fund or a 3-fund portfolio. The energy weight in VTI is already \~4% — it's there. If oil keeps ripping, you're already participating. The actual question to ask is whether your cash drag is appropriate given the inflation re-acceleration risk. Persistent $100+ oil for 3–6 months would push CPI back up and the Fed would have to delay cuts — which hits long-duration assets like growth and real estate disproportionately. The framework I've been using is to score my individual holdings across a few dimensions instead of just sector tilts: – Pricing power (can the company pass through cost increases?) – Cash flow durability (recurring vs. cyclical) – Balance sheet strength (low leverage matters way more in a high-rate, high-oil regime) – Valuation discipline (am I paying a growth multiple for what's actually a cyclical?) There's a screener app I've been using that breaks this kind of analysis into separate pillars instead of a single "buy/sell" signal — it's been useful for not getting whipsawed every time a macro headline drops. Lets me see why a name screens well, not just that it does. Tactical answer for the BIL: don't rotate. Make sure his allocation can survive sticky inflation, then let the energy weighting in his index funds do the work.
Yeah I agree with this guy's points. I'm 6 years into retirement and I have 30% in BIL which is a money market ETF and its yield has gotten crushed over the last year obviously. I don't really need that much cash in money market, so I've been looking for an income replacement for about half of it and I've started looking at charts of GPIX/GPIQ/SPYI/QQQI. Unfortunately only SPYI existed in the 2022 bear market and only for the last quarter, but they all basically came out of the tariff and Iran dips fine. And their tradeoffs between yield and growth is almost exactly what I'm looking for. So 7.5% I'd be fine with, the timing is a tough call because 3 - 4 years is kinda close. I kinda wanna say wait until you actually need the cash flow, but I had a defensive portfolio long before I retired, so I can't.
Short term Treasury ETFs like SGOV and BIL pay out distributions every month. Except January. They pay twice in December and skip January.
What you’re looking for isn’t really a different asset, but a different *tax structure*. HYSA and money market funds pay you as income, so you get taxed along the way. If you want to defer taxes, you usually need something where returns come from price appreciation instead. That’s where short-term Treasury ETFs (like SGOV or BIL) come in — they behave similarly to cash, but instead of paying everything out monthly, part of the return is reflected in the price. Same idea with short-duration bond ETFs — still relatively low risk, but more of the return is deferred until you sell. The tradeoff is important though: you’re giving up some stability and predictability of income for tax deferral. So it’s less about finding a “better HYSA,” and more about choosing between income now vs. control over when you realize it.
Yeah my 125 May 29th put began to print today. 115 June 18th is now only down 20 bucks. Bought em yesterday for 100 bucks each... figured in a bout a month this will settle back to where it was or lower following earnings... just gave myself some extra time in case theres a little blip or two. But Avis is on the brink of bankruptcy... 25 BIL in debt and dwindling rev/ operating loss of 900 mil... even if they go private etc... no one is going to lend them money unless its for dirt cheap shares. Guessing thr CFO did not have an approved shelf filing or any way to authorize more shares... and the two tutes that technically own the float aren't going to vote yes to it lol.
i mean, if you keep it in a money market mutual fund, you can write a check against it. if you keep it in a short-term treasury etf like SGOV or BIL or BILS, you can sell enough shares on one day to raise whatever amount you need and then move the cash the next business day.
I'm just trying to act cool in front of my friends tbh, honestly I would probably 5m in BIL so I'm guaranteed 6 figures for the forceeable future, then basket of bullshit. Until my wife finds out, divorces me, and converts it all into a bunch more fucking bags and shoes that sit in a closet being ignored for 97% of the year. As is tradition.
You're forgetting the Trump crypto coin. Total pump 'n dump. Made a BIL. Fucking con-artist to the end.
The yield on BIL makes it a decent place to park. And DCA .
ITS MARKET CAP IS ONLY 14BIL AND INTC IS 306Bil?????!!!!
No he was telling everyone to sell, buy gold and get ready for the end times.... Then bought calls and made 2 BIL and proceeded to brag about it... That was the problem I remember that day he literally caused a circut breaker stop twice that day... like during covid that day was the worst day of them all. He should have gone to prison for life and his hedge fund shut down- like it was even more blantant than Trumps bullshit lol. Thats why they call it a casino... and thats why the house always wins I guess.
Oh my god. No. If anything start beefing up your emergency fund until you can sleep at night. I use short term treasury fund USFR but BIL and SGOV are popular too.
Oh. That I know. Ex BIL was a Cop
Their immigration stuff is well organized and accessible. Any type of person wanting to visit or live can find a path. You just likely need to be in one of the “high need” job areas. https://www.immigration.govt.nz/ Source: BIL moved there two years ago, and working our way there too
Waited for the last few minutes to reload my 87 May 15 puts for TLT. Sold two CSPs, 85 for April 1st to help offset the costs. Also sold my BIL and some SGOV to accept a CSP assignment.
Not just his dad. His wife, sister, BIL, and niece were also killed by us in the same attack. That will surely go well for us.
Just found out that a twink texted my MIL that my BIL was bumping uglies with them(?) The top is in!
Welp that sucked, but I beat the metricsexcept DIA today. Helps that a third my port is SGOV/BIL while I reload powder.
I ended up switching from BIL to SGOV, simply because shares are easier to round to 100, and using it as a buffer to absorb any potential csp assignments. Since yields are climbing back up/mean reverting, I may want to short TMF to hedge my TLT as long options haven't quite worked for me this far.
Interesting, why? I haven't used it but my BIL waxes lyrical about it. Basically making M&A decks from a folder full of random excel files and pdfs.
I have been experimenting with wheeling on companies I want to own. I like companies with reasonable dividends, low valuation, and outside the spotlight of being chased. Anytime I realize enough profit on a company, I use it to buy one share on the house. Until then, I park shares in BIL or SGOV until assignment; otherwise my port is basically "oops, all TLT"
no one!!!! My wife’s best friend, divorced x 2, with proceeds of a post divorce house sale, 1st husband’s pawltry SS monthly check, decided to “ invest” 200k with BIL who trades on options. She claims to make 6-7k although never has actual ownership of “ earnings” but pay taxes of money she never sees. He, his wife and daughter manage to take numerous trips overseas and cruises each year. It’s seems like ponzi scheme.
go cash negative or short BIL.
Sure, that will work. Just be aware that any bond fund will have some volatility, just not as much as stocks. A third possibility might be to put some in a short term bond fund like BIL. It's all about risk/reward. Short term bonds are actually yielding close to longer term bonds right now, with less risk.
If you don't think we're getting close you're completely ignorant to what's going on. My BIL's team is literally building their AI model for the fortune 500 company he works for, and they made them all aware that within a couple years half of their jobs will no longer be needed. That's hundreds of people in this one specific office.
Sony is drilling afterhours. Selling my BIL to cover an assignment.
BIL is not a medium term bond fund.
When both the other ETFs are negative. That’s one of the momentum’s in “dual.” Absolute momentum and relative momentum. If neither VEU nor SPY have positive relative momentum, you stick it all in a safe haven like BIL until they do.
It’s been about 25 years, but I bought $20.000 worth of a supply system that the American car manufacturers used, really didn’t know much about it and this was before the internet. All I knew was that a BIL was killing it with this stock. The week I bought in, it tanked on a bad report. Then that Friday Business Report interviewed the analyst who said it was taken out of context, and it wasn’t all doom and gloom. So, first thing Monday I bought another 5k worth. That Friday the market collapsed, the DotCom Bubble burst. I don’t think I pulled much back.
First of all, my deepest condolences. Losing your partner at such a young age is unimaginable. You are in a vulnerable state. Do not try to invest that $280k into the stock market right now, park that cash in a HYSA or a US Treasury ETF (like SGOV or BIL) inside a brokerage. You will earn \~4.5-5% risk-free. Take $23k from the inheritance and pay off the loan against your retirement immediately. Avoid buying UK/European mutual funds (look up 'PFIC rules'). Make sure whatever you buy (like VTI/VOO) has 'UK Reporting Fund' status to avoid punitive tax rates in England. But generally speaking, you don't need 'shady' financial planners.
My BIL has severe ptsd from 30 years of it
You can buy ‘research grades peptides’ - powdered form of generic ozempic, mounjaro, retatrutide. Mix with bio static water and inject. My BIL is doing this
lol BOOOO this man!! Btw I’ve been out of equities and holding BIL (short term treasuries) since QQQ 628. Only hole in my portfolio is STRC and I sold that this morning. So.. I don’t have any skin in the game but I know a lot of people do
There needs to be a taco etf. When things are normal put it all in BIL. When Trump tweets sell BIL and buy everything. Then when Trump tacos sell it all and put it back in BIL.
Before you do that deep dive into dividend paying ETF and companies. Annuity is damn near a scam far as im concerned. A mix of dividend and things like BIL/SGOV will serve you much better.
Here I checked for you, and yes my guess was correct. You would of made a little more just staying in QQQ I used April 2025 when you said you diversified. [https://totalrealreturns.com/n/VXUS,QQQ?start=2025-04-15](https://totalrealreturns.com/n/VXUS,QQQ?start=2025-04-15) Not saying VXUS is bad or anything I picked up IDVO, DIVO and TM during the early crash last year, but did not sell any U.S. stocks deployed my larger then normal BIL/SGOV.
So….. the money that Microsoft proposed OPENAI was also 50BIL. These guys continuing with the ponzi scheme
lol amazon casually gonna invest 50 BIL in openai!? jesus
i mean essentially, but its only the 20th. I am like 30% SPY, mostly tech on the rest, TINY bit of BIL just for some spending cash for deal days
I have a BIL who thinks Trump is playing 5D chess to become the greatest leader ever.
Most people lose at this game over time. If you’re young stick to index funds and dca. If you need a real break park it all in BIL and go concentrate on your life for a while.
My BIL works for them in Bloomington on the line. Last week they were short interior panels, so they couldn't assemble vehicles for his dept's process or whatever. He instead spent two days of 10+ hours a day counting bolts, by hand, they claimed" To verify Inventory counts", but they never had him right down any numbers for what he counted. Prior to this he also had a week right before the holidays, where he pushed a broom around for his entire shift but he couldn't leave his area, so him and four other people literally broomed the same floor repeatedly. Do what you will with this info.
I just transfer any idle cash into brokerage. I have credit cards for “emergencies” and can always transfer cash back out of the brokerage to pay the credit card debt before it incurs any interest. It seems cumbersome for most people to do all this transferring but end of the year it looks like about $300-400 extra minimum in interest as opposed to keeping my bank account at say $10,000. Now in the actual brokerage I’m either holding in BIL or SGOV. It also allows me flexibility with margin. I sell a ton of premium so we have a Vix spike I sometimes need to sell a few “shares” of BIL or SGOV to make sure I’m not being charge an overnight rate on futures. I’m managing my money very actively, but it’s fun for me to see those totals end of the year and paying taxes is fun because I get to see I’m making essentially my salary off my investments each year. Just kind of wish we had another 2022 so I could see if I still make another salary of investments and test the non directional strategies I use. This rocket ship of gains has made all my work look like “just voo and chill man” is the right call. But all it takes is one year of even -10% and I’ll be way ahead of the game. Most people say that voo and chill makes them sleep at night, I’m the opposite. Betting on one direction in the market and that we could potentially have another 2008 or something where investments lose 30% in a year?! My diversification in not just companies, but strategic plays through selling premium, nondirectional bias, futures, commodities like oil, bonds, precious metals, corn, nat gas, even the occasional lean hogs future haha. Uncorrelated assets and strategies are what let me sleep at night.
Just put all cash into a BIL or a MMF. Enjoy.
I have some SGOV, some BIL, a few bond funds. I probably leave more in cash than I should, but I have other accounts (401k, etc) that are fully invested, so I like some true liquidity to pursue opportunities as they occur. I probably am not optimizing my returns, but I'm ok with my performance overall.
> Super helpful info! MMFs yielding less than SWVXX, isn’t SWVXX already a MMF? Yes SWVXX is a MMF. Different MMF's have different yields. > It’s specifically a 7 day yield fund. I don't know what you mean by this. '7 day yield' is how the yield is reported on MMFs. Its what annualized return of the fund over the previous 7 days. You don't get that yield every 7 days. >When you say 0-3 month, does that mean it matures in 3 months or expires in 3 months? When I looked up SGOV, it had no maturity from my understanding, but I could totally be wrong! SGOV doesn't mature. That Treasuries it holds matures and the proceeds are then invested in new Treasuries. Its essentially a bond ladder with an effective duration of 0.1 years. >What the difference between Floating Rate Treasuries and Government bonds? A floating rate treasury is a type of Government Bond. Its a longer term bond but the interest rate floats so it doesn't have the same interest rate risk as longer term treasuries. USFR's effective duration is 0.2 years. >I also, tried looking up where to find a list of short term government bonds on Shwab but couldn’t find a list? Their customer service didn’t know either so i’m wondering how do we find the different options out there other than SGOV that does something similar to keep funds liquid with a return. Not sure I follow, are you looking for other short term bond ETFs? How many variations of Vanilla ice cream do you need? Here are some I'm aware of: SGOV, BIL, VBIL, TBIL, JPST, ICSH, VUSB, USFR, TFLO. The only ones I have any first hand experience with is SGOV, USFR and TFLO Here is an oldie but goodie: [https://www.reddit.com/r/Bogleheads/comments/11prp0b/hysa\_mmf\_cds\_tbills\_searching\_for\_the\_best\_return/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/Bogleheads/comments/11prp0b/hysa_mmf_cds_tbills_searching_for_the_best_return/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
Sigh. Market sentiment meter is presently pointing at "skeptical". Check everything. Data center buildout, quantum computing, flying taxis, uranium extraction,. small modular reactors, rare earth extraction and processing, rocket launches, because space!, etc, etc, etc. It's all crap. And while knowing it's all crap, we just go along with it. Well, don't do that! Crap is crap! Just sell everything which is crap (you know what it is, if you bought the crap (don't you?)). Park the resulting cash in $BIL and wait to see what the 2026 lemmings decide to flock towards.
I see your point. It works for me because I'm able to use the available buying power in BIL and other safer underlyings. This allows me to still earn on cash but have the option of dumping it quickly if needed. Ile leverage up in higher volatility periods to take advantage of the higher premiums.
I’m a conservative investor. My core portfolio is 40% SGOV and 40% JEPI. I also have 5% in FFDIX and 15% in BIL. BIL functions as my cash reserve if markets are down at the end of the month, I use it to top off JEPI and FFDIX back to their starting dollar amounts. Overall, it works well. Performance is similar to a high-yield savings account, roughly around 6%. Not very exciting and that’s exactly how I like it. Recently, I’ve been dabbling in penny stocks and small caps for day trading. Nothing crazy, about $200. Last month, though, I turned that $200 into $700, so I moved the extra $500 into FFDIX. As someone commented in this thread, I can only imagine the anxiety of trading with much larger amounts. I honestly don’t think I could handle it 😂 but at a small scale, I am having fun. I came across this thread and decided to join Reddit. I don’t have any other social media accounts. Looking forward to having some fun here and maybe even breaking even on those “fun” trades.
Thx. I have a nice explanation from Gemini. # 1. The "Zig-Zag" (Sawtooth) Pattern This pattern represents the monthly lifecycle of the ETF's dividend distribution: * **The Upward Slope:** T-bills are sold at a discount and "pull to par" (increase in value) as they approach maturity. As the bills inside the fund get closer to their payday, the Net Asset Value (NAV) of the ETF steadily climbs. This represents the **accrued interest** being earned by the fund. * **The Sharp Drop:** This happens on the **Ex-Dividend Date** (usually the first business day of the month). On this day, the fund "cleans its books" to pay out the interest it earned to shareholders. The share price drops by the exact amount of the dividend to reflect that the cash is no longer held within the fund but is instead being sent to you. # 2. The Pronounced Yearly Drops (Special Distributions) If the arrows you highlighted are at the very end of December or early January, you are likely looking at **Year-End Capital Gains or Excise Tax Distributions.** While $BIL primarily pays out interest, it sometimes realizes small capital gains from trading bills or needs to make a "catch-up" distribution to meet IRS requirements for ETFs before the year ends. * In December, $BIL often has a **second distribution** (sometimes called a "Potential Excise Distribution"). * This creates a "double drop" or a much larger single drop than a typical month because it may include the regular December interest plus any extra gains realized throughout the year. # Why don't other Bond ETFs look like this? If you look at a chart for **$TLT** (20+ Year Treasuries) or **$BND** (Total Bond Market), you won't see this clean zig-zag. This is because those funds hold long-term bonds that fluctuate wildly in price based on interest rate changes. That "market noise" is so loud that it completely drowns out the small monthly dividend drop. Because $BIL has a very short **duration** (approx. 0.09 years), it has almost no price risk, making the dividend cycle the only thing left for the chart to show.
oh lmao its only for people who pay extra to robinhood to get a lower savings rate than if they just held BIL or a dozen other options? lmao robinhood bros never cease to humor me.
This is interesting how you can’t be bothered to explain something but call me “confidently wrong” then delete a post. I’m simply genuinely curious. If you have a piece of information I can’t seem to understand why not explain it rather than troll? My understanding is that an ETF like BIL ladders buying 0-3 month treasuries. They are holding the treasuries until expiration where they then buy more as they mature. It’s not rocket science to understand the inverse relationship between bond price and interest rate in the secondary market…. I understand that a drop in the interest rate would cause the bond value to increase and vice verse. However, if the bond is being held to maturity, this really doesn’t play too much except if you were to sell before the bond matures. Especially in a 3 month treasury. So please give me a scenario where someone could lose money over a 3 month span? I’ll steel man a terrible scenario: Powell says “we fudged up, we are going to raise interest rates in emergency fashion 150 basis points every 2 weeks for 3 months!!!! The dollar is collapsing, inflation is at 10%, it’s all burning down.” Okay well right now the fun (for arguments sake let’s say it’s only 3 month treasuries that are only bought bi monthly. The day after Powell announces this first 150 basis hike 1000 bond that was just purchased the day before goes from being worth (let’s assume current rates are 4% for easy math) you would purchase the bond for $960 (since they aren’t a coupon bond and simply cost less at entry, pay full value $1k at exit). Now that bond is now “worth” $945. Okay you “lost” 15 now….. which will show on your P/L but the bond will still mature at $1000. Now the fund buys another $1000 bond now for $945 2 weeks later. Powell raises again the next day: now you “loose” another $15 as your bond the ETF bought gets hit again. Okay…. Once again it will still mature to $1000. But wait, it will mature AFTER the 3 month window! So ah ha! Thats where they get you! No, the bond is worth well over what you paid for it by that 3 month window. About $995 give or take. So we just earned $50 which will go toward countering the bonds that will be bought later in the cycle closer to the 3mo window. I’m still not getting this math? Maybe if you say tomorrow we buy the fund and the 3 month window is starting today and Powell does the rate thing the day before the end of the 3 month? But even then the interest off the original buy would counter. Maybe a spike of 500 basis points? But common, let’s show some grace and say that would start the 3 month period to hold until you broke even again. I still think someone needs to give me a scenario. I bet there might be one that is impossible but go for it. I’m all ears.
No actually that guy was right. You can't lose money if you held the underlying bond yourself. But a bond ETF works slightly differently than that. \> it’s possible to lose on BIL and SGOV if interest rates crash or move quickly. I said sure ... Given that you don't get basic facts about the relationship between a bond's secondary market price and interest rate, I also wouldn't bother trying to explain it to you. (FYI, it can happen in interest rate *spike*, not *crash*).
Some guy who said he was a financial advisor once told me it’s possible to lose on BIL and SGOV if interest rates crash or move quickly. I said sure until you hold for 3 months time. Then it will break even ALWAYS. He still instead I’m stupid and he couldn’t be bothered to take the time to explain things to me….. It’s a 3 month treasury. You can’t lose money unless the us gov stops paying their debt.
AWESOME!!! FINALLY, we can say Merry Christmas again! You know we used to not be able to say that? Nobody every told me or anyone in my family we couldn't buy I just went to a non-denominational Christmas party full of my family members and... But hey, Merry Christmas! And Happy Holiday! \*Fuuuuck... I just ruined it, didn't I! As for your message, it's good advice, but I bought 200 contracts when NVDA, already about 40% of my portfolio since I first bought 1500 shares in 2019(and then 500 in 2020) and then 1000 more in late '22) anyway, bought 200 contracts at 172. Just sold half(100 contracts) for about 450K and now I'm playing with the houses money. When they come in at 70B and guide for 83-85B with China revenue in there and it's trading at 220 again, I'll sell the rest and clear anther 1.5-2M. Options are great... for some stocks. AMZN is next up. Pulls back under 220 and Im buying 100 contracts for Jan 2026 leaps at 300. Their next earnings will have them moving like Google(which I was going to buy and told my BIL to buy.. but he doesn't listen, not he wants to buy 20K from me). Oh well. I don't fuck with my Roth or retirement, only my money from reeal estate I sold! I'd been a dan good two years!
Maybe NOBL and some BIL or SGOV. A 70/30 or 60/40 blend. NOBL is dividend aristocrats, companies that have not cut dividends in decades. It’s not apples to apples Buffett, but similar
Treasury Bill ETFs. Stable as fuck, good dividend, doesn't grow much though. My recommendations: BIL VBIL XONE SCHO WEEK USFR UTEN
The thing is, why not just go ex- and pay in January? My mid-month div payment in BIL was 0.365425 vs something like 30 cents (which is about what the monthly has been the last few months) at the beginning of the month. It would make sense if the mid-month was 1/2 as much but I can't imagine the "Extra" is forward-looking (as in either 2 or 6 weeks worth)- they can't (or shouldn't) be paying money they don't actually have yet. I looked at the Feb distributions and they're all "regular" Which means maybe it's carried over all year from the previous January. I just don't get it, lol.
Interestingu. My trusty BIL slowly dying.
I have twice. My BIL has once and my coworker has as well…..
Risk free US Treasury Bills? You'd be sitting on $24,883 gain, not $13,000. That's what the BIL ETF actually yielded the last decade. Sorry you were swindled. It's about right for Merrill.
BIL defaulted on their dividend payment today
if they're scared, they could at least do short term treasury fund USFR/BIL 85%, sprinkle in 5% GLD and 10% VT. No fancy words, if they don't understand, it'll freak them out. Short term treasuries backed by the united states government, Gold spot price, and a global equity fund that owns basically every business in the entire globe.
You're young. Go 35% QQQ. 30% VOO. 10% VT. 10% VXUS. 10% BIL. 5% IBIT.
For a 1-2 year timeframe with easy access and minimal risk, look at high-yield savings accounts (currently 4-5%) or Treasury bills (3-6 month durations). Both offer inflation-beating returns with virtually no principal risk. Money market funds are also solid options (VMFXX, SPAXX) with yields around 5%. If you're comfortable with a tiny bit more risk for potentially higher returns, short-term Treasury ETFs (SHV, BIL) or CDs with laddered maturities could work. Just avoid anything with stock market exposure or long-term bonds that could fluctuate in value. Remember that keeping house funds separate from investments helps maintain discipline with your timeline.
Using BIL as a stand-in for SPAXX, 10 year performance: BIL: 1.58% per year FFFHX: 15.43% per year https://totalrealreturns.com/n/FFFHX,BIL?start=2014-11-25 https://totalrealreturns.com/n/FFFHX,BIL?start=2014-11-25
Just don’t skip on the tile work. Seriously. Like don’t be that guy with a shit tile job because it shows. I would still hire a good tile guy vs a short-tempered BIL who insists they can do it better
I use BIL, 1-3 month Ts. BILS is 3-12 month. Pays out monthly
I had been using SGOV and BIL (just with ever one let me round out my cash). Then I shifted to using BOXX because it's less work and offered more control on how I realized gains. I've slowly been moving out of the curve with sales of BOXX and going into SHY. For the long end. I have IEF for my tax-exempt and TMF for my taxable.
Mostly VOO and QQQ. Indices historically go up in the long run. I also have META. Hopefully, it goes up within one year lol I'd average out your entry point. Say 833 into VOO monthly to iron out the volatility. Any cash should be earning interests in high rate savings accounts or BIL etf.