CSHI
SHP ETF Trust - NEOS Enhanced Income Cash Alternative ETF
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I moved to tbills with a covered call component (CSHI) at the top. Will get back in when things start to make sense again.
CSHI, JPIE >>> SGOV 4.82% and 5.6% dividend >>>> 3.5
I can't tell you where ARKK will be in 2 years, but I can tell you that it is a high volatility etf. That means it might go up a lot or down a lot. What you're looking for is 20% in 2 years, or roughly 9.5%% per year. If you expect average returns over the next 2 years, the S&P500 and the NASDAQ would both do well enough and not expose you to a crazy amount of risk, but there is still the risk of the markets dropping substantially if things go downhill. The safest things you could put your money in would be etfs like SGOV, VRIG, and CSHI, but they're only going to return 3.5-5% per year which would result in you having closer to 275k than 300k. I think the best middle ground would be to play with housing etfs which is likely to have less beta compared to the price of the house you end up buying because it's in the same sector (Plus O has averaged around 13% per year since the year 2000). Additionally you could do something like XLP since it tends to do fairly well even when the markets pull back and also still makes around 6.5%/year on average. That being said, this is not financial advice and I am not a financial advisor. Do your own research and don't just blindly do what someone on reddit suggests.
Put it in CSHI as it pays roughly a 5% dividend
If you need the $20k back in a 9-month timeline, I’d stay in cash-plus. SGOV is the simplest option. If you’re open to a bit more yield without going full risk-on, NEOS - CSHI adds an S&P option overlay on top of short-term Treasuries to squeeze out extra income. If you’re feeling more aggressive, NEOS - HYBI offers higher yield but has some credit risk.
I'm half SGOV and half CSHI with my "cash" portfolio.
It dropped 1.7% and had fully recovered within two months. I did see that, but for 30% higher interest rates I'm willing to take the chance of a 1-2% temporary drop during black swan events. The reality is that if you want ZERO risk, there isn't an alternative to SGOV. CSHI I decided was the absolutely lowest risk alternative with a better yield.
You're me 2-3 months ago. And I don't know why people are being so dismissive. I looked at PULS and PAAA, decided that I don't trust Wall Street or Moody's when it comes to any form of collateralized debt, and decided CSHI was the best of the bunch. Its core holdings are short-term securities (identical to SGOV) and then it uses a tiny portion (sub 5%) of the holdings to sell put spreads that are way out of the money. This gooses the yield by 1-1.25% over SGOV. Look at its history. I basically decided it was 99.99% as safe as SGOV but with a yield 30% higher.
I really don't get "cash gang" mentality. SGOV and CSHI are as safe as it gets.
I'm personally shooting for 25% in Treasury Bonds (via CSHI and SGOV), 25% in ETFs that offer a mix of dividends and growth (DGRO and DIVO), 25% in growth-tech (QQQ), and 25% in high conviction stocks (primarily Google and Amazon at the moment). Good luck.
I have sgov as well. There is state income tax exemption as well with these ETFs. Also look at CSHI.
You can probably tolerate a bit more risk than SGOV, so load up on CSHI.
If I could live on CSHI dividends alone, I'd play with everything left over.
i've switched to CSHI lately and have been liking it
Same Except mines in CSHI Literally should have their emergency fund in a t bill etf tbh
Certificate of deposit at a bank typically offwrs 3-6% for 6-12 months. Problem is you cant take any out when its in there. As far as moving assets go the least risky (atleast in america) imo would be SGOV or CSHI. Both offer 4-6% yield annually. Depends on how long you are willing to hold. If you want something that you can easily get in and out of the top ideas might be best. But if youre willing to buy during the top of the market then wait 1-2 years then YIELDMAX ETFs might be worth considering. Theyre option trading fueled ETFS. Theres about 20-30 of them. I think the one with the lowest annual yield right now is like 30% annuaĺly and the highest one around 100%. Whatever you do just stay away from wallstreetbets. People on there make 60k in 3 days trading hundreds of contracts then lose 120k in 1 day. Reddit is sort of ridiculous.
Glad I sold out everything into CSHI day he was sworn in! Bring on the low prices!
Well like others have said, investing is different for everyone. I'm old and I've accumulated enough now that I don't have to take much risk. I have about 30% in risk assets. I'm mostly using VOO and RSP) Besides CD and HYSA, have you looked at: MM Funds (VMMXX is paying \~ 5.4%) CSHI (around 6%) JAAA (around 6.7%) HIGH (around 7%+)
Vanguard sweeps it into VMFXX that is paying 5.27% right now. You could also look at T-bill ETFs that pay 5%+ right now. BIL, SGOV, CLTL, etc. Pick the lowest expense ratio. If you want to go into the weeds a bit, check out ETFs like CSHI and HIGH.
Still think we go up higher? I'm up.. a lot. Gonna sit back for a while. Looking at PULS, CSHI and GSY.
At these dollar amounts, you should be asking your financial advisor. You will need at least a 6% dividend rate to get $7,000 per month. Right now, if you use Firdelity, you can invest in CSHI and SPYI. A 60/40 split would get you around 8%.