BIL

alex_57_dieck

1. BIL is a bond ETF. 2. Interest rate risk would decrease the value of bond ETF. 3. Specifically for BIL though, interest rate risk doesn't quite apply because BIL only holds bonds very close to maturity. (so unless interest rate keep rising over a long period of time, you don't lose value for BIL, as long as you hold through the value of interest rate spike) Here's another example that hopefully makes more sense. 1. You are a human being. 2. Human beings are generally dumb. 3. Specifically for you though, are you dumb?

Informal-Lime6396

Isn't BIL a bond ETF?

alex_57_dieck

That post, and OP's reply, and the context of "financial advisor"'s claim are entirely about BIL and SGOV. The replier mentioned bond ETFs, in a context that has no need/make no sense to generalize to arbitrary bond ETFs, beyond BIL and SGOV. That seems like a textbook definition of strawman. Of course, we can agree to disagree. Happy a good day.

rithsleeper

That’s a secondary one. I’ll have to dig for the original . It might be deleted. The original post I was clear about BIL (I didn’t say SGOV) but essentially the same

54415250154

There are a lot of types of risk, you are talking about interest rate risk, but there are many other types of risk. I would disagree that holding SGOV/BIL are "zero risk". They are certainly low risk, but purchasing power risk, reinvestment risk (not really relevant here but just giving some examples), political risk.... these are all worth considering. Risk can also be defined in many ways and it all depends on your personal goals and tolerances

SouthofCentralCoast

Yes to USFR. I just checked Morningstar and over the last 9 years on a price of around $50 it's moved around 30 cents. That's including the 2019 Covid crash. I've had this and BIL, and my direct objective with these is something better than a bank and I can withdraw at any time (unlike CD).

Ok-Koala8737

I split between BIL and a short term treasury fund just to avoid having everything tied to one issuer's ETF structure. Yield difference versus SGOV has been small enough that it is not worth obsessing over.

Severe-Weekend-6664

USFR (floating rate Treasuries) and BIL are worth a look for short, liquid yield comparable to SGOV. TLT is long-duration though, so it swings on rate expectations rather than sitting like cash, which matters for a float strategy.

DSCN__034

I have BIL and ICSH for short term. I also have target date bond ETFs in tips and munis. (Most of my bonds, however, are in individual tips bought on the secondary market.) The other vehicle I have is BOXX in my taxable account. It is an option box trade strategy that is taxed as long term cap gain if held > one year. Quirky, but it works for what I do. Doing a box DIY is not very hard but I'm lazy. Haha.

OurNewestMember

The easiest thing to say here: achieve cross margining when possible. Basically, if you're net shorting S&P500 directionally, do that with SPX. Opening trades for zero margin. Easy peasy. Tbh, it sounds like many of your trades won't cross margin, but still try (cross margining is when the combined requirement is reduced due to risk offset, not when the requirement is satisfied from something other than cash like from long ETFs). Now, the rest of it. I'm going to assume your cost to fund futures is about zero and not 6%, because that's achievable (details later). With those basics, ES vs SPX. Some questions are mostly margin independent, like if you need physical settlement or American style exercise, it's going to be ES. So we can mostly ignore obvious deal makers/breakers. So the securities account has long marginable ETFs and maybe a short box and some SGOV/BIL/etc (see later). A short S&P500 put is not getting any margin favors from the long ETF. Couple that with higher margin requirement and, "not SPX" is the answer for selling puts here. Short calls (or long puts) we already mentioned indirectly - should be a obvious win with SPX (given the long ETF holdings). What about strangles? Smaller futures margin should dominate here. But consider lifecycle. If you're going to manage aggressively, futures costs and trading hours could matter, etc. So roughly speaking, open trades wherever margin is lowest. You'll use more of that 60% excess liquidity most efficiently by doing net short calls and net long puts with SPX. But "using up" more than the 60% utilization for its own sake (by suffering higher margin requirements) is not necessary because you can (and probably should) take like 1%age point of your excess liquidity and move it to futures, so you can get the lower requirements at negligible extra cost. Which brings us to...funding futures trading should roughly cost zero. The optimal setup for futures is a big box (eg, buy 2000 wide for 1900 debit or whatever, and give it some duration so you're not messing with these constantly). It earns the implied rate and will satisfy your margin requirements. Having it doesn't mean you must trade futures (you'll earn the going rate regardless) If you need cash (you do; you're cash poor, as you're supposed to be), sell a box (I'm assuming you don't want to sell your ETFs and replace them with calls/synthetics). Futures margin deposits should not come from the broker. Also, sell a box, and leave it. You "pay it off" by pumping up your SGOV or something, not crossing the spread a second time and even risking needing to open another box due to shortsightedness. Good funding hygiene helps cover all your trading costs! If your securities account is $300k NLV, then putting $300k notional deposit into your futures account should cost you less than 1%age point of your securities excess liquidity (you'll go from like 60% to maybe 61% utilization). It's achievable to cover a year's worth of trading for like $70 of slippage (which should be "paid for" by 1 or 2 weeks of open futures positions not being secured by USD cash). This is absurdly cheaper than borrowing from even "the best" which will cost you 120+bps (and that's assuming you're borrowing millions from either IBKR or RH Gold, lol). Ie, structure your portfolios in advance so that there's little cash movement for futures (or even opening SPX debit positions). Then you can pick SPX or ES based only on product fit and margin efficiency. There's plenty more on cash management, but that's enough for now. Some scenarios. ##Scenario: Long ETF, sell an S&P500 strangle SPX: $60k requirement can come from the excess liquidity in the ETF. ES: $40k requirement comes out of the excess liquidity in the box (actually you might release like $1k excess cash back to securities, just use SGOV/BIL/etc to soak it up) ES likely the winner due to the lower requirement ##Scenario: long ETF, buy S&P500 OTM put debit calendars (assume cash settlement is okay) SPX: requirement should be about zero (cross margining), and the debit should come from selling leftover SGOV/BIL or whatever you worked up when you sold the big box you need because you're cash poor ES: normal SPAN2 requirement (not bad, but likely not zero) which will be deducted from any excess in your long box. Debit also should come from selling bills, same as for opening the debit SPX position SPX probably the winner due to the negative Deltas nuking the requirement. Most people will not setup their accounts like this, and then cash management becomes a completely avoidable recurring cluster. Boxes could just be managed twice a year (December and January) and then fine tuning with something like SGOV can happen like 12 hours a day with penny wide spreads. Brokers sure fleeced the public on funding futures accounts 😂 So here's the answer: - settlement and assignment characteristics always dominate the SPX vs ES choice - always go for the cross margining in those few applicable cases (SPX short calls, long puts in the securities account). Of course both portfolios will change over time - Get your cash management setup on both securities and futures, so that funding is a non issue for choosing SPX vs ES. Obligatory caveat: technically long options don't generally have a margin requirement, but we can pretend like they do because they will tend to reduce the requirement when you do put on marginable positions (eg, when we say adding net long puts should be done with SPX)

DoinIt4DaShorteez

Other than checking account, I basically keep the rest of my free cash in the BIL etf in my brokerage account. If I have to sell some for an emergency, the cash is available the next day. I have Merrill accounts linked to my BoA accounts. There's advantages to me to keeping that money in Merrill vs some sort of separate HYSA, that are worth more than a few basis points of interest. Insured vs not doesn't concern me. It's not worth sweating a few basis points until you're talking $100k+

DoinIt4DaShorteez

If your employer matches some of your 401(k) contributions, try to at least contribute enough to get the maximum match. If you think $13k is enough for an emergency fund, leave it where it is, or put it in a brokerage account and buy a money market ETF like SGOV or BIL. At 35, there's nothing wrong with splitting your investments in some fashion between VOO and QQQ. You can get more conservative down the road when you're much closer to retirement.

thenelston

interesting, couple questions 1. did you include margining against assets that still have yield? my understanding is that CSPs are typically fairly close to zero-profit by themselves, but the attractiveness comes from being able to sell them against things like BIL 2. vrp should imply that you actively select which windows to trade in instead of naively selling constantly right? the vol environment can be unfavorable sometimes, and even a simple har rv overlay might cut the median bad trades a bit, although it might not do much for the tails

ItsyBitsySPYderman

My BIL is a true degenerate. The dudes over a million in debt. I guarantee most of his rates are adjustable rates. He'll go finance any damn thing. Its wild. I hope they do raise rates and my sister divorces this dumb mofo.

pnd4pnd

Put it in BOXX (\~4%) until a decent correction happens (soon in my opinion). No cap gains until you sell. Or do BIL which will pay a monthly dividend

DSCN__034

Let me know. I vaguely remember that he said he would get $10k per month between the premium and the yield on BIL, but I'm not sure and I can't make that happen when I look at put prices and rolling at 21-DTE. Maybe it was selling two puts at different DTEs?? I don't know. Message me if you hear back. Thanks.

DSCN__034

Mike Butler has said that if he had a million dollars he would sell a put in SPX as his only trade and put the rest in short term treasury etf like BIL, and live off the income. I cannot remember what DTE or delta he would use. I do not advocate this strategy, but that is what he said. I can't find the link. Assuming he used tasty mechanics of sell the 16-delta at 45 days and roll at 50% or 21-d, you can figure it out.

JohnCena2026

$AI AI inu is heading to 1BIL MC within 1 week

hereforthetearex

So let me get this straight: your BIL being productive enough at his wfh gig to keep his job (reflecting that he is keeping up with demand), and making time on that same day to bang out a side hustle, *at the same time* is evidence of someone that doesn’t want to work? Pointed out by someone that’s on Reddit at 08.30….

Creative_Youth_4982

eh, together they are relatively safe. also have a system to switch to BIL or CLOZ (instead of TLT) depending on trend. gotta stay invested otherwise you can get fomo and make mistakes

Creative_Youth_4982

do you have $999,000, then I can suggest BIL or SGOV

Pristine_Fix_3047

I see the BIL average return is 3.6-3.8%, at that rate aren’t I better off in the HYSA?

Eyoba_19

Glad you liked it, Not sure how you could use BOXX as a financing tool, but might be good to earn yields if they're better than BIL or SGOV on short term rates.

DeepAndWide62

If you do want to try bonds as a means of protecting yourself from the risk of declining stock prices, then try some short term bond funds like JPST or BIL ( currently yielding around 4+ percent). Risk of significant decline in the NAV or share price of these tickers is comparatively smaller.

BentonD_Struckcheon

Buy a leveraged ETF, then collar it via a calendar spread, sort of. Lolwut? Like this: buy UPRO, sell a call or three at a delta of around 25, one month out. Buy puts underneath at around half the delta, but two months out. The calls give you income. The puts protect against a crash. The calls pay for the puts. On occasion the price will blow past your calls and force you to roll at a loss, and you'll make less than some other guy who just bought and held that ETF. But on other occasions the price will crater and the calls will go to zero and the puts will be in the money, and you'll do way better than that guy. The options protect the capital you invested. You're in a leveraged ETF so you're already making some multiple of the market. Don't worry, a lot of it will get eaten when you have to roll the calls unprofitably. This isn't a way to time or beat the market, it's a way to more or less match it but with money left over to put in something safe like BIL, which will give you a steady income. You're not trying to beat the market, just make something like 6% a year, more or less, steadily. That's it.

DoinIt4DaShorteez

It's fine. The divs from those funds are ordinary income for Federeal tax, they get taxed the same as wages. I own BIL and I live in a state with income tax and last year something like 95% of the BIL dividend was exempt from state tax. It's probably a similar exempt % for BILS and SGOV but you have to check each year to see what it is. There are a few states that have special criteria and make it little harder to be state tax-exempt.

DoinIt4DaShorteez

short term treasury ETFs will be much easier than actual bonds or notes, but you won't get as high a rate. the etfs are in the low 3's now. one reason to use an etf in a brokerage account instead of a HYSA is that if there's a crash, you can sell the etf to raise cash and immediately plunge it into the mkt. BIL, BILS, SGOV are all about the same.

rampagepete

hedgies don’t just short, they also pamp. We did the initial HTZ legwork, now they’ll drop a $BIL

DoinIt4DaShorteez

those etfs are barely over 3% now and not likely to go up much from here. if you can get 4%, then it's a matter of whether whatever the restrictions on it are are worth the extra 1%, given the amount of money you're going to put in. I've never used a HYSA so I don't know what the liquidity situation is if you want to plunge into stocks during a correction. I have money in BIL in my brokerage accounts and I can sell some of it and instantly buy something else with it.

anonymousopsec1337

That kinda looks like BIL like brother in law

gopoohgo

Dunno. I saw my BIL mess with his Bloomberg setup while we were on vacation. He's a highly trained and educated retard, but a retard all the same

DipSniper69

Revenue 14 mil Market cap 25 BIL. So yeah....

Alfred_The_Sartan

I had this happen years back in Forex trading. I'd wake up at 2AM for the London market and followed all the rules. I had the books on pips. I had post-it-notes for the kinds of price action bar turns. I'd been working on baseline fundamentals. You ever play DND? Some of us rolled Nat 1's for luck when we were born. It really didn't matter if what I did made sense based on anything, it would be the exception to the rule. My old BIL and MIL had view-sharing on the app we used. They secretly started trading the opposite positions I was taking. Again, it didn't matter if what they were doing was intelligent or not, it was close to foolproof. I'd take out a $10 position only to have the damn market realize I was playing and just butt-fuck me with no lube instantly. The other two would over-leverage whatever the opposite position was and make bank. I didn't have a ton invested so only lost about $1200, but they both made tens of thousands off of my bad luck. Then they got shitty when I quit because they're bad luck charm wasn't in play anymore. Never did give me any kind of kick-back either. Assholes. I don't even play Keno in a bar these days.

CornerOne238

6 months? It would be useful if you stated your time frame in op. With 6 months, your only option is SGOV or BIL. Everything else will risk losing principal over such short time frame.

Due_Marsupial_969

Yes. And it gets worse: For example, lots of wealth is concentrated in the accounts of older folks. They know they will likely not be around for any supposed recovery cuz it's not their first rodeo. This is why my BIL sold during liberation day recently. We tried to stop him, but I understand why he did it. 400K and social security was all he had. Also, some of us who bought in 2007, 2008, 2009 have been buying since 2005 and doubled down in 2007, tripled down in 2008, and quadrupled down in 2009 thinking we'd use the immense profits to pay off the shithole we've buried ourselves in and keep the 2 homes and pay off medical bills. The crashes were very good for my family and propelled us out of the middle class. Not for others.

DSCN__034

What am I doing? I'm investing based on my risk tolerance, as everyone should be doing. A 10-30% pullback in stocks can occur at any time and may take 3-4 years to get back to even. Act your age (and circumstances). I'm a lot more risk averse now that I'm retired than I was 30 years ago. Capital preservation is achieved with a HYSA or BIL and other short duration bonds. Period. Have enough in those vehicles to get you through any rough patch. Emergency fund. For me, it's two years of expenses, but I'm retired with no other income. If you are a nervous or anxious person, then sell stocks down to your sleeping point. If you are concerned then lighten up on risk. The second worse thing you can do is be underinvested in a raging bull market, but it happens and you'll survive. The absolute worst thing you can do is sell into a crash. If you are going to puke at the bottom then you are too aggressively invested. The problem is that many (especially younger) investors don't know if they will panic until we are actually in the depths of a stock market meltdown. Investing is an adventure in self-discovery. Haha. It's all fun, good luck! Sleep well.

Puppyofparkave

Over $2BIL in volume today 🤣

Z---zz

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. 

Due_Marsupial_969

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.

Character_Set3454

BIL SGOV  Super strong momentum and growth stocks. 

Just-Construction788

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. 

Lolamus

with the 300BIL we gave Iran, shouldn’t we add them to S&P500?

Iwubinvesting

Treasuries. I doubt you know how to actually buy treasuries so buy treasury ETF like BIL.

gopoohgo

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.

33445delray

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.

alwayslookingout

🤔 My BIL works for them. I’ll have to ask him if it’s worth buying in.

Demonic_Maidens

I wanted my money to be super safe so I split it between SGOV and BIL. Never have all your eggs in one basket

Demonic_Maidens

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.

Demonic_Maidens

Sorry forgot to warn you all to buy BIL or SGOV to get some interest over this holiday weekend. My bad!

booster_gold__

You know my BIL is a gambling addict when he trying to play home depot earnings lol

MaterialGuy007

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?

Sharp_Mistake_3119

BIL is a boglehead, we get along great, he doesn't lecture me about VTI at allllllll /s

DoinIt4DaShorteez

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.

Hutwe

Yeah, my BIL is one of those gamblers and I’ve never heard of him talk about any of his losers, only his winners.

SynapticMelody

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.

Mike734

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.

TheGingerPlatypus

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.

Deep-Bench-2016

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.

Deep-Bench-2016

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.

DoinIt4DaShorteez

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.

DoinIt4DaShorteez

Short term Treasury ETFs like SGOV and BIL pay out distributions every month. Except January. They pay twice in December and skip January.

icnews10

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.

Rodramramfive

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.

DoinIt4DaShorteez

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.

Character_Set3454

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.

ilovesaintpaul

You're forgetting the Trump crypto coin. Total pump 'n dump. Made a BIL. Fucking con-artist to the end.

UnicornMilking

Who tf is BIL?

cheekytikiroom

The yield on BIL makes it a decent place to park. And DCA .

QTpieme

ITS MARKET CAP IS ONLY 14BIL AND INTC IS 306Bil?????!!!!

Rodramramfive

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.

Putrid_Pollution3455

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.

TJMBeav

Oh. That I know. Ex BIL was a Cop

SSkilledJFK

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

Unemployable1593

BIL

MagicJuggler

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.

Billionaires_R_Tasty

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.

rm0277

Just found out that a twink texted my MIL that my BIL was bumping uglies with them(?) The top is in!

MagicJuggler

Welp that sucked, but I beat the metricsexcept DIA today. Helps that a third my port is SGOV/BIL while I reload powder.

MagicJuggler

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.

Salty-Bid1597

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.

MagicJuggler

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"

Danube11424

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.

no_simpsons

go cash negative or short BIL.

DSCN__034

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.

shes_a_gdb

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.

MagicJuggler

Sony is drilling afterhours. Selling my BIL to cover an assignment.

kiwimancy

BIL is not a medium term bond fund.

Mike734

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.

prairiedawg1912

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.

kokatsu_na

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.

SoloOutdoor

My BIL has severe ptsd from 30 years of it

whereitsat23

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

Stack_Johnson

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

rhuffq

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.

MaxxMavv

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.

MaxxMavv

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.

Gutzzu

So….. the money that Microsoft proposed OPENAI was also 50BIL. These guys continuing with the ponzi scheme

potentialPast

lol amazon casually gonna invest 50 BIL in openai!? jesus

MagJack

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

Ok-Amphibian3164

I have a BIL who thinks Trump is playing 5D chess to become the greatest leader ever.