SGOV
iShares 0-3 Month Treasury Bond ETF
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SEPT 16TH DD: The Fed gonna mess up your calls (OR) J-Pow’s successor is bringing back the 1980s. Grab your helmets? (co-written by Gemini)
Moving Cash Allocation into Tax Advantaged Accounts instead of After-Tax?
Inherited 32k, not a single clue what to do with it.
This is your daily reminder to always use limit orders, even if you are a buy and hold investor...
All that stress to make less than SGOV
Are bonds/fixed income really required for someone approaching retirement?
21M first-job in CA, USA. Seeking Investment Strategy Review
To all the Loss Porn - CASH GANG holding strong. still waiting for the dip
What do you tell people that are too scared to move out of cash?
For anyone interested in volatility trading, its all in the spread
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
For non-americans: what is the best fixed income asset to build emergency funds?
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Why is everyone so down? Based off these subs, everyone is investing, sooooo
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Taking gains on a some highly profitable Space stocks
Direct indexing after large capital gain of near 600K
DIY direct indexing for Large capital gains ($450k+)
How do you prioritize contributions to taxable brokerage account vs maxing tax deferred accounts?
Where should I park emergency saving HYSA or SGOV
The mental drag of holding 30% cash right now is getting brutal
Robinhood- looking for best Cash alternative for high tax bracket + high state taxes
Do you expect the PDT rule change to impact you that much?
Is there an app that actually lets you sort symbols in a list by 30-Day SEC Yield?
An exception to ‘Time in the Market beats Timing the Market’
Unsure how to balance risk after maxing retirement accounts
Buy SGOV at end of month and sell it at beginning of next month to collect state tax-exempt interests from capital lose, is that practical?
Can someone help me understand what the hell I’m doing with my cash
Need to move 400k in a high fee 401k to new brokerage account
TQQQ and Gold Strategy using the SPY 200SMA (Three Phase Strategy)
Best options to park cash on High Yield Stable Funds in RH Retirement Accounts
Cash for house down payment: Sell SGOV vs Margin Loan?
The Porcelain Bull: A 35 Indicator Framework for 2026 Correction Probability
The Porcelain Bull: I Built a 35 Indicator Framework and Went 57% Defensive for 2026
Looking to get a second opinion on my investing plan
Using box spreads + SGOV for very low interest rate loans
SGOV's share price changes and can drop. Can I lose money on it?
You guys that crap on good advice and then delete suck
What time does SGOV typically pay out its dividend? Its due today and almost the days end
What is your guess of what SGOV will return in 2026? And is this dictated by the Fed decision or also the changing yield curve?
Can a fully cash secured account of margin account lvl 3 be margin called ?
Backtests of Selling Cash Secured Puts vs. Buy and Hold?
Parking money I will need in the short term- NY Muni (VNYTX) vs US Treasury (SGOV)?
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Real Question, anyone ever long SGOV Calls and exercised them the last day of the month?
Agree 2-3 years cash buffer (including SGOV) is sufficient even for retirees to ride out downturns without having to cash in bonds or equities at a low value.
Yes, ETFs of course. That 73% allocation is spread across ICSH, SGOV, VUSB, and FLOT. I'm getting paid now to watch equities keep pace, all without the risk of going down, and when something in the economy finally breaks, I'll be there to deploy cash from bonds to take advantage.
Trading is short-term and has a bad history crippling financial losses. Most people who do are legitimate gamblers, infrequent strategic traders, or work at a hedge fund. They rarely beat long-term investing in 5+ years. For investing (5+ years of buy & hold), get with Charles Schwab. They are an excellent investing broker with tons of educational material and have well informed customer service. The order of investing operations for full-time working adults are: - Contribute your pre-tax income to your company 401k/403B plan up the employer match. Usually between 3-6% if they offer it at all. Easy way to double your money. - Build up 3-6 months of emergency savings in a high yield savings account (HYSA) or Treasury fund with after tax dollars and after your survival monthly spending. Make sure you are getting 3% or higher interest rate currently. This will keep you from touching your investments if you lose a job or something you own breaks. HYSA examples: Marcus, Amex, Capital One, or Ally. Treasury fund examples: SNSXX, SGOV, or VBIL. Treasury funds are tax protected from city and state taxes, but you cannot access the money on the weekends. - Once your emergency saving have been built up, start investing into a Roth Individual Retirement Account (Roth IRA) if eligible. You need to have a legal tax filing job and earn less than $153k as a single tax filer. Less than $242k as a jointly married tax filer. Great for the middle class because the gains are tax free at 59.5 years old! Max annual contribution to the account is $7,500 according to the IRS for 2026. Invest into SWTSX at 80% and SWISX at 20%. Setup auto invest and focus on staying employed. - Anything extra, throw into a taxable brokerage account. Work bonus, tax return, credit card cash back, or lawsuit winnings. Invest into exchange traded funds (ETFs). Basically a group of stocks that trade like an individual stock together, and are tax efficient. SPYM or SCHB are great long-term choices. Pick one of those not both of them.
6 months' expenses in HYSA or something like SGOV. The rest, if for retirement, put in VT, VTI, or VOO. Depends on how much you want to divesify, and your investing beliefs. VT will give you world exposure, including the US. VTI/VOO is just the US. You can always change things up the more you learn. You may want to dabble in individual stocks (more risk/more reward), but learn how the market works and how to evaluate single companies first. Otherwise, you're just gambling. Don't trade. The majority lose. If you still want to consider it at some point, make sure to paper trade first for a while to learn what system works for you. Then, when you start with real money, risk management is the most important factor. Start with very small trades you can stomach losing until you can see if it's something you can even be good at. Psychology will be your biggest barrier to overcome.
My current go to is SGOV. I like that it essentially pays daily and that I can’t get out and into other things same day.
They could have put 15% of their portfolio into AMD and MRVL a year ago with the rest in SGOV and beat the market. Instead they're watching paint dry by watching for a bubble to pop praying for NFLX to do something.
You could easily keep monthly needs in a HYSA or SGOV
You might shop around for an HSA. Mine through CIT Bank currently pays 4.1% which is better than SGOV and has FDIC insurance.
SGOV is only a reasonable option if you enter and exit around the same time of the dividend cycle. if you enter at the end of the month and then exit at the beginning of the month you are looking at a sizeable fair value hit. emergency funds should be purposefully liquid and you shouldn't be chasing yield.
Money market and short term bonds funds are a good place to put part of emergency funds for needs past one week after a need event to earn some additional yield. VMFXX is government bonds, but not strictly Treasury bonds. VUSXX is all Treasury bond. SGOV and VBIL are short term Treasury bond fund ETFs. Selling them to get cash will take one extra business day. If you are going to use any of these get ACH transfers to your bank set up so it is ready if you need it. Getting them set up initially can take several business days. You need to do this to get the money somewhere you can spend it. You can't spend it directly from a Vanguard account. Fidelity is a much better broker for personal finance.
\>IMO all treasury based bond funds are about the same. All the funds contain the same Treasury products Not exactly. Treasury bonds exist in a range of maturities between four weeks and 30 years. There are Treasury bond funds that target various maturity ranges. SGOV and VBIL are 0-3 month treasury bond funds with an average duration of 0.1 years. VUSTX is a long term bond fund with an average duration of 13.7 years. The duration effects how the fund NAV will react to prevailing interest rate changes. The effect is about the duration times the interest rate change. VUSTX will change 137 times as much as SGOV/VBIL. Because of rising interest rates this year VUSTX has lost 2.58% of total return even after dividend yield YTD. Since interest rate changes don't effect SGOV/VBIL as much VBIL has gained 2.4% in total return YTD with the dividend yield. Longer term bonds have a place in investing. An emergency fund is not the place.
SGOV works just fine for this
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.
When looking at returns be sure to take into account state income taxes. T bills are exempt from state income tax. SGOV and VBIL T bill ETFs are mostly exempt from state income tax. So the post tax returns are higher than an HYSA with the same interest rate if you are in a state with income tax. I
Look into CLIP also. On my platform, it's marginable and SGOV isn't. I have no idea why
I have not considered SGOV specifically, but yes to treasury based funds in general. IMO all treasury based bond funds are about the same. All the funds contain the same Treasury products so it's largely a commodity item. I think I am going to move the HYS part of my emergency fund to a treasury based fund because it pays better than HYS.
The piece that is easy to miss is not another product. It is how fast the money has to become spendable cash in a bank. Split the emergency fund by access time, not by the headline yield. The slice you might need this week (rent, a deductible) stays somewhere you have already tested: the HYSA, or Cash Plus if a small withdrawal actually landed in checking next day. A tenth of a percent is cheap insurance against a Friday problem. The rest, the money you would not touch unless income stopped for a month, can sit in VMFXX, SGOV, or short T-bills. Those are not bank deposits. You own a fund or a bill, you wait for settlement, then you transfer. Fine for a known expense, awkward for a same-day one. Two checks before you move the whole HYSA. First, pull $100 out of whichever Vanguard option you pick and time it. The yield on the page is not the same as money in checking on a Friday night. Second, state tax. Treasury interest, and a high percentage of a government money market in most years, is often exempt from state income tax. A HYSA is not. On a large balance that gap can beat the APY difference, but only if the fund's latest government-income percentage actually supports it. I would not park an emergency fund in long bonds or equities. Duration and drawdowns are the opposite of what this pile is for.
I'm looking for something similar. Have you considered SGOV and if so, how does it compare? The state tax break is a bonus to take into consideration.
Women above 30 = SGOV Women below 25 = QQQ
Just sold a massive chunk and tossed in SGOV will reinvest in 6-9 months depending on midterms and how this AI bullsh\*t goes. Still a heavy position in the market but atleast pulled out some earnings for now.
Love watching dimwits talk about 2000-2010. Do you know that if you put in say, 10k annually every year in that period, one of the worst of our lifetime, you’d still have around 150k with dividends reinvested. Buy the dips. Keep money in SGOV earning interest and buy every year. The SP 500 always bounces back. Take a look at annual returns back 40 years or so. Dumb people panic, smart people buy more. It’s what I’ve done my whole life, NW around 2M.
80% index and the rest in SGOV. +15 year retirement horizon
I’m not sure I understand the concern for anyone not in their retirement window. The market goes up, it goes down. It’s been on one long jagged up trend for 100 years. You’ve known this all along. Nothing has changed. The only concern I see is not “losing all you’ve worked for” since the only way that happens is if you sell at the bottom, but adjusting to your changing risk tolerance. I get it. It’s a weird feeling when you know you’re going to see your net worth drop by $1M or more. There are a menu of things you can do to minimize your exposure to a prolonged bear market, including sleeping with cash under your pillow. As I approach retirement I have identified my risk tolerance, which led me to put 5-6 years of discretionary spending in SGOV as a cash reserve with interest that won’t be hit by state taxes. That’s about 8% of my portfolio. With that one move I know I can ride out any market downturn without ever having to sell stock in a down market. But my situation is unique to me. You might be more comfortable with crypto, metals, real estate, or a higher bond percentage. Personally, I wouldn’t be slowing down my growth engine at your age, but only you know your risk tolerance.
OP - You say some cash in MMF but not how much. If you’re really worried have at least a year of essentials (including sell pay health insurance) stashed in an MMF or maybe SGOV. If you’re lucky enough to keep your job during a secular bull keep buying equities.
You did not mention if you have anything allocated to fixed income investments (tbills, bonds, etc). Short term tbills are going to be paying around 4% after yesterday’s FOMC 25bps hike and “forward guidance” of another hike this year or early 2027. So you could trim a couple percent from your stocks today and bid in the tbill auctions next monday or tuesday. Or SGOV if you want an etf. Worse case scenario you hold until maturity in 1 to 3 months, sleep better, and do something else with the money then.
Well, you are not too far off from Warren Buffett's choice for his wife's inheritance: 90% S&P 500 and 10% cash, bonds. I'd put 10% at least in SGOV or VBIL which are short term treasury funds and the earnings are state tax exempt in states with income tax which is important in your brokerage account. But we use those treasury ETFs in the Rollover IRA, also. We added VTV which is a large value fund (lower p/e ratio) that lost much less in 2022 and 2018 than the S&P 500 did just to have a little cushion if there is a tech decline, for example. We are retired now but made it through the 2000-2010 years just fine by not touching the retirement accounts, and my husband was 45-55 during those years.
Real estate. Read Carnegie's quote about it. Stocks are great but I didn't buy a single one until I had my farmland paid off. Even then only about 20% of my portfolio is VOO, about 50% SCHD, and the rest is in SGOV. I am 51, pretty much same situation, but that allotment may not line up with your own risk/reward situation. But to your point, I'd say real estate.
OP, have had this feeling a long time, executed a rotation a few days ago out of VOO and significantly trimmed my RSP. Rotated the money I needed into SGOV as a structural de-risk, VXUS, and (since I'm Canadian) I have a big chunk in XIU and XEQT. I'm also holding a bunch of AVGE but I view this as temporary (huge US tilt that I don't want, covered by my remaining RSP) but it's globally diversified with factor tilts and I'm using it to maintain exposure while I figure out what to do with that chunk of money since it's in USD
To answer the OP's question ("how do you hedge against the worst case scenarios") I'd keep 10% each in T-bills (SGOV) gold (IAU), managed futures (CTA), and international funds (VXUS). Then leave the other 60% in VOO and let it ride out the storms over the long term.
If your only invested in the s&p 500, your best bet is to diversify further. In a big crash almost everything is likely to fall, but some things not as much as others. Even at 50, if your can hold until 65, time itself will help to mitigate losses. I would do your own research on the following: 1. Managed futures (dbmf) 2. Low beta funds (LVHI, USMV) 3. Bond Funds/SGOV/CLO's 4. Gold Funds 5. Value Funds/SCHD (Avantis has an entire series that are rule based, in some situations money flows out of high growth/speculative assets, into "stable" value/ dividend producing assets) In the case of a severe downturn these COULD help to mitigate losses, but ALL will LIKELY come with decreased total returns over the long term, or some loss. If looking historically, i'm fairly sure (almost) all of the options above have underperformed VOO, or have little historical data. Also consider diversifying into an Ex-US fund for some international exposure. The true hedge is time, And any appropriate choice for a secondary hedge would depend on what the cause of the crash was, which we can't know in advance. Do a quick Google search about which assets have historically performed best during crashes, and what the cause of each crash was, so you have a basic understanding of cause and effect. 2008, and 2000 had different market dynamics and causes. Hope this helps.
That's right now... check back in a month or two and SGOV will be comparable. And when rates go the other way, HYSA's will drop immediately and SGOV will maintain its rate for a month or two as it has a maturity averaging around 40 days.
Boy you just worry about everything eh? Just go all SGOV then.
I tried to remove all my shitty bond funds from my 401 and replaced it with just buying I-bonds and bills directly and then instead of parking excess cash in the bank, I go for USFR or SGOV. Not really a big fan of anything else with bonds, yeah.
2 month T-bills don’t move at all right? Like SGOV?
If they ever bring ZIRP back I'm going to take a huge loan out and just SGOV and chill lmao
SGOV is the way to go!
Is SGOV going to be better than cash? Or would it better to buy whatever initial dip there will be in equities from reduced growth forecasts from interest rates?
VBIL/SGOV are not 3 month bond funds. They are 0-3 month bond funds. The average duration is 0.1years - slightly more than one month. The 0.25% rate hike will cause the NAV to decrease by about 0.025% for a short while, while the old bonds they hold mature. They will be replaced by bonds that yield \~0.25% more. The yield will creep up to that over a short while. You don't have to do anything. You will get the new yield as it goes up.
The market inverses me so hard that if I bought SGOV the dollar would collapse.
VBIL expense ratio is 0.06% and is 100% state tax exempt, so marginally better than SGOV I think
real bears buy TLT, SGOV, and GLD
SGOV Will treat me with kindness and respect
There are a handful of HYSA paying an APY of 4.25%+ right now that beat SGOV unless your state income tax rate is like 10%.
Yep, try SGOV if you wear a tampon. If you want to capture more return and control duration then man up and buy T-bills in the secondary.
Look up state taxes too. SGOV will result in very little.
the money market fund often has a little more flexibility. whereas the ETF (i.e., SGOV) pays a little more yield. that's the tradeoff
i agree, but money market accounts often charge a higher expense ratio. SGOV only charges like 0.15%
Screw that.... You need a short term treasury fund instead. Especially if you're in a state with state taxes. Try SGOV.
I can confidently say none. I have some (handful) individual dividend stocks that are well researched and have done great in terms of growth over the years (GS, CVX, TSM, etc) and most of the rest in index funds (sp500, Russell, some tips and short term treasury) and SGOV. SPYI for income to cover housing in case of job loss. That’s not part of the growth strategy, just for peace of mind.
No one else has suggested this, but you should put the cash in SGOV to add another 3.6%ish to your annualized return.
Its time I came clean, I have 200k in SGOV and the other half in responsible ETFs. I have no risk appetite for options. Im a loser ok
When SGOV starts yielding 5% its going to be lit
SGOV looking to outperform for September
I sold some SGOV for gambling cash in Wednesday. should i buy calls puts or a 0 dte strangle on Wednesday at 1:59?
Depends on: job stability, access to liquidity via many different methods, how many moving parts you have in your finances, etc. There are also middle grounds here… there are lower beta growth engines, that while they still could drop in a downturn, likely much less so than growth equities. Things like DIVO, JEPI, CLOZ, JAAA, SGOV. Also, SGOV is a great place to hold an e fund, which would sit in your brokerage, thus in a way feels like investing, not in a risk sense but in the sense that it sits with your growth holdings. Not sure how much constitutes an e fund for you, but why not do a tiered strategy? Let’s say $30k is 6 months expenses for you: Tier 1: first $10k goes to SGOV Tier 2: second $10k goes to SCHD/divo/cloz/jaaa Tier 3: 3rd $10k goes into VOO Now that you have your first $30k… you can afford to get a increasingly more aggressive with subsequent 10Ks, as your total pot is bigger
SGOV should be used as an emergency fund. The foundation of your portfolio should be a very low expense ratio index fund like VT or VTI. I don't like QQQ because of its expense ratio, there are better funds than QQQ, with lower expense ratios.
Futures down, NASDAQ (tech) more than anything, gold down (where I’m loading dips before Schwab lets me touch things @ 7), it’d be nice to get a nice penny flip before going to work to keep up with this madness but I’m not going to force a trade. It may be a do-nothing day too, if things don’t drop to my levels. Holding: 26.62% $IWMI 25.86% $SGOV 24.21% $MLPI 7.98% $VXUS 3.24% $VTV 3.01% $IAUM 2.51% $DGS
80% split between SP500/VXUS/SGOV 19% GOOG (dont want to pay the tax man) and 1% in gambling bets like Rivian
I’d worry about getting the Roth IRA set up before trying to find something “better” than QQQ or SGOV
Realistically should I switch over to qqqm? I own about 89 shares of qqq qqqm seems cheaper but what would be more beneficial long term as that is my retirement and SGOV is just for short term you're right
For savings (SGOV) and long term (QQQ) is fine. I use QQQM instead of QQQ. What matters more is the account they are in? As long as you are working you should put the money in a Roth IRA, QQQ can be used in it. Hopefully you also used your TSP while you were in the Marines. [https://www.reddit.com/r/personalfinance/wiki/commontopics](https://www.reddit.com/r/personalfinance/wiki/commontopics)
Oil bulls 🤝 SGOV gang 🤝 bears
Is there a 3x SGOV ETF
SGOV, the new hot ETF for September
in my brokerage-(short term use) I’m **FFUT / PDBC / OILK** if commodity shock continues **SGOV / TBIL / TFLO** yield and preserve ammunition **TLT - in case** recession/risk-off scenario reverses the rate story TLT is my main uncertainty but its small like 2%
Pay off car loans ASAP. Have you talked to a financial planner about retirement budget, including risk of cuts to SS? Inflation will severely reduce the value of uninvested cash over time. Short-term Treasuries have functionally zero risk—put as much of your emergency fund into that as you can. I'd recommend an ETF like SGOV or VBIL for simplicity.
SGOV is a treasury ETF. It invests in short dated 0-3 month treasuries for you automatically. You just put your money in and take it out when you’re ready. Current yield is around 3.25% ish.
She is getting about 3.3% which is less than inflation, so effectively losing money and purchasing power. Having cash is the worst protection, anything else is almost certainly better. Putting is SGOV is same protection as cash but a 1% higher, and more liquid than dealing with treasuries directly. Putting it in a dividend fund and you can get closer to 10% beating inflation.
The worst you should do is SGOV or similar. Make the minimum with no risk. Or learn how to sell cash secured puts on good growing companies and easily double, triple or quadruple those returns.
At the very least 100% SGOV, but some portion in index funds really makes sense. SGOV is basically a HYSA without state taxes. VT or VOO, at even 25%, would be safe, as in never go to 0, and would demonstrate what stocks return compared to a HYSA. A good HYSA does 4%, at best. VOO is up 11% this year so far and 16% on the 1 year. That’s 4 times the return for a low risk index fund. Baby boomers and GenX know this trick and how to make generational wealth from index funds.
No but why bother? Just buy SGOV then
You can buy SGOV. Or you can buy individual bonds— more than 5% interest. Or VOO. It depends on your risk/ reward appetite.
SGOV for now. It will be as safe as HYSA, better tax treatment and better interest earnings. Don’t invest until you and wife are emotionally ready to buy and hold through a paper loss of value (meaning your investment went down in value, but you haven’t sold it to lock in the loss). All the advice in here is worthless if you are going to sell in fear at a market drop/crash. And lots of folks will do that, so no shame. Just recognize that you might do that.
Pay off the car notes and any other debt. Leave the rest in the HSYA or see if your wife will let you move it to SGOV or your brokerage’s Money Market. Then use the 200k to fund both of your Roth’s yearly and think of it as a large emergency fund.
Wonder how high the yield for SGOV will be before stocks start selling off
SGOV yield going to be 10% by 2027
I’m done. Putting what little I have left in SGOV
I think SGOV or other short term treasury bond funds are better for short term holds
just a guess, if there is a AI crash there is no safe space. Defensive stocks might recover faster. Otherwise bonds or SGOV are your best bet.
That would make me feel really great about my 6.25% mortgage. I would just print from SGOV and not have to come here anymore.
My ai agent told me to sell everything and hide in SGOV a bit ago and it’s been working great
I’m retired and I have 0% in bonds outside of short term US Treasuries in money market funds and SGOV.
I genuinely believe that SPY is a safer investment than SGOV at this point
SGOV isn’t a direct proxy for bonds in general. Sophisticated and well capitalized investors invest in bonds directly and trade them before maturity on the market, a lot of it OTC. SGOV is just an ETF that is closer to a simplified bond ladder without having to go through the minute of actually building your own bond ladder. I wouldn’t expect volume dramatically increase unless a massive shock hits.
Maybe ikbrs wrong? https://finance.yahoo.com/quote/SGOV/history/
Just because an ETF fund is large, doesn’t necessarily it means it has massive liquidity. I actually don’t know where SGOV sits, I used to hold some as a HYSA years ago before i started using a SBLOC. Some ETF’s are large and have small liquidity requirements, this only matters for large institutional investors typically, and I normally don’t give a rats ass about it. Relative to the news today, it appears everyone’s temporarily moving into cash (days like this are a good day to buy!) as everything I track (except oil) is in the red. So perhaps the ETF liquidity is lower for the day because of so much selling going on in that end of the market as well?
Even at 100 million you wouldn't have to worry about it in SGOV. It trades 100 million every hour. Usually. Except for today. This isn't related to a specific concern about purchasing or selling the instrument, it's just an observation that market behavior is significantly different than every other day. Just curious if anyone else noticed this or had insight into why.