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I use my regular Fidelity brokerage account as my saving account because any uninvested money is autosweeped to SPAXX, a money market fund that currently pays 4% APY. I keep a portion of my emergency savings as CLIP (an ETF that is exclusively 1-3 month US treasuries). You can also buy U.S. treasury bonds on Fidelity too. In addition, I use my Fidelity brokerage to pay my mortage each month (has routing number for ACH transactions) so my mortage money is earning interest too while waiting for the bill.
Keep it in the brokerage account, buy a short duration treasury ETF like SGOV or USFR or CLIP. The yield is exempt from state and local taxes. If you have low state and local taxes, then consider BOXX, which uses a box spread on SPY to replicate the risk free rate and tries to minimize the amount inside thats taxed at STCG, so if you hold for 1 yr + you get a fair amount taxed at LTCG instead.
Hey Redditors I’m the cool Elephant again! See! I exposed 🥭 for being a diddler! Oh you’re asking why I knew this and continued to work with him, supply him money, and had my little kid near him? Uhhhhh GUYS LOOK AT THIS CLIP THAT YOU’VE ALL SEEN BEFORE WHEN HE DANCED WITH HIM IN 1992 TSLA to 0 actually
CNBC CLIP 
Thoughts on CLIP for short term?
$CLIP yield the same but has a lower expense ratio
Often times vision heads of ViTs are used combined with a CLIP model for context generation. Actually, it’s often stilll “one” model.
Correct. If you go to the performance tab on these ETFs, theyll show you "growth of 10k" historically and these ETFs just look like a flat diagonal line. Their yield is tied to whatever the current SOFR rate is (federal funds short term lending). It will be that minus the expense ratio. CLIPs expense ratio is 7 bps. SGOVs is 9 bps. It is important to turn on DRIP with these, otherwise the dividends will sit as cash. That wouldnt be terrible, often your core cash position in a brokerage is set to some money market sweep fund, so youd still get yield. For example, SPAXX is the default fidelity cash sweep MM fund, its 30-day SEC yield is 3.98% cagr currently. But, if you were in CLIP, your 30-day SEC yield is 4.18% and the yield is state tax exempt unlike SPAXX. If you had a state income tax of 5% like illinois has, your net of state tax yield on SPAXX drops to 3.78%.
HYSA is like second best. The best would be to put your money in a brokerage account and buy a nice easy tbill ETF like CLIP or SGOV. These provide the same risk free rate exposure as a HYSA, but almost universally have higher yields (since HYSAs are getting their yield from risk free FED instruments like tbills and reverse repo and short duration bonds, etc), but you dont have banker middlemen taking a cut off the top. Also, holding a tbill ETF means the yield is exempt from state and local taxes on the income. The downside is "liquidity". When you sell shares of the ETF, it takes a day for the cash to settle in the brokerage, and then it takes another day to send it to your bank account. For something like home savings, this is no issue. Youll know well in advance when you need the money
I wish in the US there was a short duration European non etf like SGOV, CLIP, etc. I find that I don’t know enough to handle the volatility in the bond market. I was looking at BNDX. though.
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):
**DCA to CLIP (**GLOBAL X FDS 1-3 MONTH T-BILL**)** Selling my Gainers + Losers to DCA to CLIP Anyone else too doing this ? Thought - Pros/Cons? My idea is this avoids tax gains penalty and i (potentially) avoid further losses. CLIPs bought, so far: |Acquired|Current Value|Quantity|Average Cost Basis|Cost Basis Total| |:-|:-|:-|:-|:-| |Apr-09-2025|$7,016.80|70|$100.14|$7,009.80| |Mar-28-2025|$5,012.00|50|$100.40|$5,020.00| |Mar-19-2025|$30,072.00|300|$100.28|$30,083.61| |Mar-14-2025|$4,009.60|40|$100.30|$4,012.10| |Jan-07-2025|$3,007.20|30|$100.15|$3,004.50|
Id max my IRA and buy some index funds while the market drops. I wouldnt pay off that car, its only 2% APR. A savings account beats that. Holding 7k in CLIP (tbill ETF, better than SGOV) would be a free arbitrage.
INSERT SOUTHPARK CLIP Andddddd It’s GONE. GONE. It’s all Gone.
CLIP is now cheaper expense ratio than SGOV. I still think the best option is USFR, which is even shorter duration than either. Has edged out ahead of CLIP and SGOV historically.
CLIP is SGOV but cheaper expense ratio
>SGOVs fee waiver expired, so now CLIP is the cheaper ER tbill fund Can you translate this for a moron (me)?
The only drawback of buying SGOV (btw, SGOVs fee waiver expired, so now CLIP is the cheaper ER tbill fund) is settling time. It takes time to get money out of the brokerage, typically a day for the funds to settle after selling and then a day or so to transfer from the brokerage to a bank account. In most cases this isnt an issue. You can use credit cards to fund expenditures and then transfer money as needed.
Im not answering your task questions Lowest risk return is the risk free rate, you get this from holding tbills. Best in class fund for this is $CLIP, which after SGOV's fee waiver expired is the cheapest 0-3 month tbill ETFs. This ETF has no risk of drawdown, you get the fed funds rate (as of now, 4.33%), and your earnings are exempt from state and local taxes. Higher risk would be adding some stocks and bonds. You can still include cash if that is a psychological requirement for you, however the best portfolios dont carry cash/bills. A combination of stock market index funds, short/intermediate/long bonds, and potentially third leg diversifiers like managed futures, commodities, gold, can create a decent returning portfolio with substantially lower volatility and drawdowns than an all equity portfolio. Portfolios in the vein are the all weather portfolio, the golden butterfly, variations of the 60/40 three fund portfolios, etc.
May? What if we have down months? You realize the market doesnt just go up and up? If yoi want steady income at zero risk, throw it in govt notes/bills like SGOV and CLIP @ 4.5%.
Oh yeah youre perfectly fine. Have 50k free cashflows should allow you to be perfectly fine for retirement plus be resilient for impacts of future events, should something unfortunate happen. You are *significantly* ahead of the curve. Your feeling of being "behind" is a warped fun house caricature due to the selection bias of reddit where only the most fortunate and elite people spam post about their wealth. 160k at 34 is well past the general wisdom fence post of having 1x a normal salary saved by 30. Youre on track to have 3x by 30 or way more depending on if things go well and you really do end up saving that 50k. Consider a mixed equity/bond/short term reserve rate (CLIP or USFR) fund aside from your retirement for future known expenses like buying a car when yours breaks so you dont have to take a car loan, or a fund to treat like a rainy day health disaster fund despite having insurance, etc.
That what i mean. If youre holding 100k getting the risk free rate in something like SGOV, USFR, CLIP, etc, that is comical
Just fyi, SGOV's fee waiver expired so CLIP or XHLF may be preferable now for T-bills IMO.
Depends on time horizon. Just fyi, SGOV's fee waiver expired so CLIP or XHLF may be preferable now for T-bills IMO.
ACHR UAE YT CLIP PRE ANNOUNCEMENT [https://youtube.com/shorts/Oz1QgxhJS00?si=dveDoXSXzqKIXXhy](https://youtube.com/shorts/Oz1QgxhJS00?si=dveDoXSXzqKIXXhy) ACHR $500+ 
can t anybody take the 2min to post the video. [Blame Canada - South Park: Bigger Longer & Uncut (3/9) Movie CLIP (1999) HD](https://www.youtube.com/watch?v=bOR38552MJA) i m tired to have to do all the work here
Look into CLIP also, I believe it has lower fees
Looks like USFR ladders are further out into the future. Certainly an interesting ETF think we might broaden out our portfolio with this one too. Pay date is also more end of month where TBIL and CLIP are beginning and middle of month respectively.
Just buy TBiL ETF and leave it. I did treasury bills for a long time. This is much less fuss. Getting 5.2% consistently as a state and local tax free dividend each month. You give up about 1/10th of a percent going this route instead of Treasury Direct auctions. And it’s less hassle than the secondary market. Or explore XBIL, SGOV, CLIP ETFs. They all are about the same. You’ll find religious arguments for every question here. Just my opinion. If you want that 1/10th percent extra without the ability to sell anytime you want, then buy New Issue Treasury Bills from your broker and turn on AutoRoll. For me, I’ll stay with the two-day liquidity.
TBIL and CLIP ETFs are ladders too. I also do not know why these are not more popular.
TBIL and CLIP ETFs are treasury ladders. Work great and 5.25% compounding monthly. And no need for me to work the ladders.
Not always. My mortgage for example is 2.34%. I am bearish on markets cause of macro and valuations and need to do something with my money. Instead of paying down my mortgage, im generating 4.5% (or whatever it is) in HISAs and in etfs like CLIP or SGOV. My mortgage renews in June 2025 (in canada rates reset on your mortgage every 5 years) and it will be at a higher rate than those accounts, so THEN i will throw all that money in the mortgage instead of the HISA CLIP SGOV type things
IIPR is another stock to look into that also pays dividends. But the price has been up and down. I'm out of them as I only have a 7 year window until retirement. Maybe someone younger can take a chance with them. Any money I had in IIPR is now in TBIL and CLIP ETFs. Need to park the money in a safe investment where I do not lose any principal.
May want to check out CLIP or XHLF now. SGOV's fee waiver just expired last month.
I have SPY ETF, QQQ ETF (yes together they double me up on hitech I know), and CLIP ETF (the latter pays a state tax free 5.2% monthly dividend as the ETF holds only short term treasury bills and cash). I also have BTC & ETH at an exchange, and lastly physical gold and silver. I DCA everything. And I sell daily covered calls on the SPY and QQQ ETFs with a complex options strategy that maximizes profits from multiple intraday movements, eliminates missed out profits on days where there is a large price increase, softens price drops since I am long on these ETFs, and practically eliminates the chance of the underlying being called away (in the last 5 years have never had the underlyings called away). I never trade individual equities.
I can't speak to bonds. We have been doing laddered Treasury bills through TBIL and CLIP ETFs available on Schwab. They are great because they trade like any other stock ETF. The managers do the laddering work in the background. We have been getting 5.25% now for some time. Make sure to reinvest all capital gains and dividends and we have been very happy with the results. This is a small portion of our holdings which are mainly in 401k for both me and my wife. This is money we've either inherited or received as bonus from work or otherwise monthly after expense paycheck leftovers. While we gamble in our 401k accounts and have done well over the decades this money is cash we had and we do not want to lose the principal while still making some money. Will also be our short-term vacation money if we need it and then bridge to retirement if I lose my job in the next 7 years. Should also be free from Federal tax but not quite sure about that bit until our next 1040 comes up.
Do you have a job with a 401k? Then that is where you should "gamble" your money. By that I mean something that follows the Russel large cap value growth fund (SCHG is a good example look at the 5 year chart 122% gain not counting dividend reinvestment). Up YoY and even in a down year not down that much and typically doubles those loses on the way back up. Since it is in a 401k you also aren't going to be "trading" as you would in a brokerage since it is all end of day sales and I found it easier to park money there. Sometimes I do check on it every day but then I have zero interest in moving money around. I just wish there was no cap on how much we could put into our 401k. Put any emergency money into TBIL or CLIP ETFs before you start investing any money. One of the few avenues where you can get the advantage of ladder Treasury bills without the work and make decent money. But if you want to go to treasury web site and ladder t-bills there you can make a little bit more money with the work. And get the gambling out of your system. It'll keep your mind busy sorting the ladders out. With zero downside as you can't lose your principal and worse case you make less money if the Feds cut interest rates. It isn't an HYSA so you will need time to move money from the brokerage to the bank in an emergency but most emergencies you can put on a credit card and then move the money out of the ETFs in time to pay the cc off. With ladders at the Treasury site you'll need to do a bit more planning on how you ladder if you needed $20k next month. With ETFs it is sell and transfer no planning needed.
TBIL and CLIP are ETFs with 4 letters. Also SCHD, SCHG...
Or get TBIL and CLIP ETFs that do the laddering for you. They are currently paying just over 5.25% Make sure to reinvest all the capital gains and dividends.
The OP's initial investment which is already down. Look at the Nikkei stock market average over the last 30 years. That can and will happen here too. [30 years since Japan's stock market peaked, climb back continues - Nikkei Asia](https://asia.nikkei.com/Spotlight/Datawatch/30-years-since-Japan-s-stock-market-peaked-climb-back-continues) ETFs like TBIL and CLIP would have garnered a 5.25% lately and the Fed is probably not going to cut interest rates anytime soon because inflation is not going to abate and if anything will continue to rise especially when WWIII breaks out in Ukraine/Russia, Israel/Middle East. Prepare for the worst and hope for the best. But do not put all your dollars on one pony and think it is going to win because odds are, it won't. But you do you.
You need 2 accounts. Your 401k (traditional or Roth) where you speculate and gamble. You need a 2nd account for your emergency fund. While the past was "6 months" was enough I'm not convinced. We worked our emergency fund to be enough to bridge me to retirement in 7 years. I turn 60 later this year. That money is in TBIL and CLIP ETFs 5.25% and supposedly federal tax exempt but IDK as this is our first year in those ETFs. While we have done well in our gambling 401k funds we are also generating a healthy income every month in the ETFs that is getting reinvested. Yes, we may be leaving a lot of money on the table but compared to our 401k probably not. And it is guaranteed to not lose principal which is the ultimate goal for our emergency fund.
I would assume you are gambling in your Roth. That is fine. At the same time, you should also be doing after tax into safe investments like TBIL or CLIP ETFs. You need to have 2 accounts. One where you gamble and the other one to be safe and that should also include your emergency fund. To give you an example. We have more than enough emergency fund money in TBIL and CLIP to cover me to bridge to retirement at 67 in 7 years right now. I could lose my job tomorrow and not sweat it. I do not agree that having "only a 6 month" emergency fund is adequate. You need to have at least a 5 year horizon in an emergency fund. I only bring this up because my company fired a lot of people yesterday (they had 2 months notice and only 2 months severance for not accepting the relocation "opportunity"). We have most of our money in 401k both traditional and Roth where my account is gambling, and my wife's account is conservative, and we max both out.
Big mistake. You should put that into TBIL or CLIP ETFs as the Fed is not reducing interest rates anytime soon. There are also more safer investments than gambling your inheritance away. Put it only in safe funds. You are young and you do not need to gamble this money. Maybe take 10% and put it in a risky investment but nothing more than that. It is not worth losing this big opportunity you have.
Sell and get out of your mistake once you clear a profit. Then buy $600k in QQQM or other SP500 indexes like VOO. Hold your investable portion in CLIP, $100, until the market takes a downturn then sell and buy what you would like at that point.
My 401k is the high risk, high reward (Russell Large Growth) portfolio. My wife's 401k is the conservative portfolio as she doesn't like to lose any money nor actively manage her 401k. In addition we have a nest egg in both TBIL and CLIP ETFs as another conservative portfolio. My 401k is bigger than the combination of the other 2. But the other 2 are the sure but steady funds. My 401k in large growth funds has swung 50% down in 2008. Now I get older I move more of the 401k fund into dated funds that mature on and after when I turn 70. In my case 2035 and out to 2045. But I'm only doing so gradually 20% of the large growth fund into dated funds each year. The large growth fund has been hitting 20%-40%+ YOY gains so the 20% reduction still keeps a lot of money in the game. Even the target date funds are making over 20% YOY so all is good. Eventually, one day when there is "enough" money I'll be more invested in 2035/2045 funds rather any large growth. But that day is probably another 7-10 years from now. Depending on when I quit working.
This just simply isn't true unless you're being pedantic about the definition of 'architecture' such that you're only concerned with transformers. If this were the case why is GPT4o better than GPT4 better than GPT3.5. There wasn't some enormous amount of data added to their training corpus between those versions to justify the increase in performance. We've seen over the past couple years that simply changing the encoding scheme can have a massive performance increase on training and inference. CLIP for example made a massive difference, and that again wasn't more data, it was just encoded in an intelligent way.
Consider CLIP. Lower ER than SGOV. Also TFLO. Higher interest rate (even after the higher ER) thanks to FRNs having a positive spread for now.
Your emergency fund can never be "too big." If the pandemic taught us anything is that people can lose their jobs and be unemployed for 2+ years. With that in mind. I'm turning 60 and Medicare/Medicaid eligible in 5 years. When the pandemic hit I was one of the lucky ones to hold onto my job and health insurance. Since then we have saved up enough so that if I lost my job tomorrow and could not find another one (doubtful as I'm in IT) I could bridge to 65. If I don't need to bridge we'll have that pile of cash as additional retirement money. Since this is money I can not afford to lose the principal we have it in ETF TBIL and CLIP. When I looked at the bond/index funds none of them could ensure not losing principal and that to me was a no go. Both my wife and I have the risky investments in our 401k plans. But emergency fund and savings has to be just that. Something that can't disappear in a severe stock/bond market crash.
I found that our 401k Large Corporate Growth Value fund had the best overall percentage not just 1,3,5 yr but almost forever. Some years, like the last couple, have been 48-49%. Others down to 15%. While the indexes are fine you probably want to look at the growth accounts. Especially as you are still young. Then when you are ready in your 50s start looking at ETFs like CLIP and TBIL. We keep our emergency fund in those. Enough that if I lose my job today, and can't find another, I can bridge the 5 years I have to go to get on Medicare/Medicaid. I doubt I'm unemployable but ageism, like struggle, is real.
I disagree. My 401k is where I'm invested in Large Company Value Growth funds generating 40%+ interest a year in an up year. It has stepped down a few times over the decades but every 10 years is up and up. $10k 10 years ago is now $40k. The same from the previous decade before that, and before that. That and annual maxing out has it over and above what we need to retire. OTOH we made my wife's 401k very conservative, but it has only 30% of what I have because it is conservative. It is equivalent to the value of our brokerage account. Our brokerage account is where our life savings is in TBIL and CLIP ETF funds. Can't lose the principle/money. It is enough money to bridge me to retirement over the next 5 years. If we do not need it and I keep working it is gravy for retirement. If I lose my job tomorrow and can't find a new one (doubtful) I do not have to sweat it.
TBIL and CLIP ETFs 5.25% at the moment. You cannot lose your principal like you can with SPY, VOO or anything else tied to how the stock market is doing if the market goes down. If the Fed raise interest rates again, you'll make even more money.
You have to look at your own situation. Is renting and paying someone else's mortgage worth it to you? Or owning your own home and building equity is better? Yes, there have been crashes through the decades but that was also back when money lending was loosy-goosy. Those days are gone. Out of homes I have owned since the late 80s I may have only broken even on sale price but always walked away with $80k-$170k because of the equity built up in the house. We got lucky once and had a boost of $70k on the home sale but that was the only time. Now we are in our retirement home and we have a 3% mortgage (Dec 2020) so we make more money on CLIP ETF than we pay on the mortgage. TL;DR; buy a home to build equity on a 15 year mortgage and you can walk away in 5 years with a sizeable chunk of equity. If you have a 30 year mortgage you need to stay longer like 10 years.
Dollar cost average into VT, VOO and QQQ. Split it however you like. QQQ is a bit higher risk which is good. Emergency funds in HYMMSA (something like Ally. There are many, I’m not shilling them just what I use. I use their high yield money market savings account so I can get checks and a debit card. No need to wait 2+ days to transfer to a brick and mortar. Some HYSA may also offer debit cards too). Put maybe 10% into CLIP. This is a treasury bond ETF that pays via dividends (about 5.3% and that is state tax free, so if you live in a state with income tax that 5.3% is higher in reality). If the dividends drop under 4%, then sell and redistribute to your stocks. If the Fed raises them again, get back into CLIP. You don’t have to go real aggressive. You have time on your side. The above formula over 30 years will set you up nicely. Let your crypto be your aggressive play. No more than 5% would be my advice. Then never sell VT/VOO/QQQ. If you don’t sell, you don’t pay taxes. Start selling slowly when you are getting to your retirement age target. Some years may return -9%. So what. You’ve got the time on your side. It always comes back eventually. Good luck!
I think the idea is to not lose money. So regardless of the interest rate so Treasury Bills might be the way to go to also keep your USA taxes low. TBIL or CLIP ETFs for liquidity if you need it.
HARD TO FIND CLIP OF CRAMER LEGIT ADMITTING TO BEING A FUCKING CROOK: [https://odysee.com/@JimCramer:9/jim-cramer:8?src=embed&t=40.018355](https://odysee.com/@JimCramer:9/jim-cramer:8?src=embed&t=40.018355)
GOVT and chill. But keep a portion in ultra-short treasuries like SGOV/CLIP and floating rate treasuries USFR/TFLO. If you live in a state that taxes treasuries, go for ICSH. You can sell the ultra-short funds when the yield curve un-inverts.
I always have a small cash position in my IRA’s to take advantage of any downturns, but right now my cash is earning nothing. Does anyone have an opinion on keeping that cash in something like SGOV, VUSB, or CLIP?
Again, OpenAI had lots of other projects. CLIP, for example, predated GPT. You seem to be confusing GPT and the broader concept of AI.
Will echo what others said, price risk on 3-6m t-bills nonissue. Plus if market volatility increases rates will get cut, which boosts bond prices. If you have access to it, Global X launched a 1-3 month t bill this year, CLIP. 5.28% yield, monthly distributions, 0.07% fee
ironically "ai mimickry" is exactly the point Turing made with the Turing test. Not that it detracts from your point, existing LLMs are not emergent and are unlikely to pass a Turing test. What these LLMs _do_ tell us is about the sheer importance and knowledge captured in natural language. The CLIP stuff is really opening the door to some crazy applications, but will require a few more orders of mag in compute imo. Using natural language as fuzzy labels really changes the entire field. Especially when we have such a rich collection of annotated videos.
40k for two months, depending on the timing, you could make a couple hundred bucks maybe with relatively safe ETFs that track t-bills like CLIP or SHY....but still open to minor risk for minor payout. They pay monthly
> We're literally talking about a CLIP OF BLINKIN REACTING LIKE HE GIVES A FUCK You have no idea if that is why he looks like that. The guy just looks tired. He travels all over the world. Stop assuming shit like a dumb t4rd
> They don't give a FUCK about calling him a dictator. We're literally talking about a CLIP OF BLINKIN REACTING LIKE HE GIVES A FUCK and with a straight face you're typing up that he doesn't give a fuck. Oke bud, cope harder.
Dip is probably due to: UK FOREIGN SECRETARY JAMES CLEVERLY SEEN RUNNING INTO BUILDING IN ISRAEL AS SIREN SOUNDS, IN VIDEO CLIP POSTED ON SOCIAL MEDIA SITE X BY ISRAELI FOREIGN MINISTRY Also: ALERTS SOUND IN MORE TOWNS IN NORTHERN ISRAEL WARNING OF INCOMING AIRCRAFT- ALERT APP (First Squawk)
CLIP. 0.07 expense ratio for the same thing
That was misinformation by people who called themselves "prompt engineers" who had no idea what they were doing. If you know how these CLIP based diffusion models work you'll know that adding those modifiers doesn't do anything. Improving the model itself does. [Just "a close up photo of a handshake gets this with the latest model.](https://i.imgur.com/HVcYXyq.jpg) Not 100% perfect, but much close to being so than a year ago.
VQGAN+CLIP came out September 2021 and was actually the start of the image Image AI craze. Soon after disco diffusion in November 2021. Midjourney initially just commercialized disco diffusion but then went on to improve their own models. It’s also kinda funny that the ones to introduce the concept was Dalle 1 in January 2021, but OpenAI never made Dalle 1 available to use. They launched Dalle 2 around the time Midjourny and Stable Diffusion dropped but by that time nobody really cared about Dalle because of the limitations compared to others. If they released Dalle 1 back in 2021 they would have almost a monopoly in image generation like they have with LLM and CharGPT.