SGOV
iShares 0-3 Month Treasury Bond ETF
Mentions (24Hr)
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Reddit Posts
The stock market will prob crash now because I bought nearly 1million usd worth of VOO with my inheritance
Boo Hoo. I bought VOO. I put my toe in at the wrong time.
Limiting my 401k contribution to employer matched level only
Portfolio Review: 3–5 Year Horizon, Moderate Risk
Short term government bonds ETF versus brokerage money market account
Holding SGOV for more than 3 months. I don’t understand a comment.
For those investing in bond ETFs, what do you use besides SGOV?
What would happen to shareholders of an ETF if the company managing it goes bankrupt? Do they become unsecured creditors or something else?
Anyone here mess with REIT stocks? ARR & AGNC specifically
Robinhood - second individual account as reserve transfer question (margin)
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
Mentions
If I woulda kept it in SGOV then VOO woulda ripped up another 20-30% higher over the next 12 months so it’s damn if you do and damn if you don’t
Sorry about your mom. Sorry doesn't really come close to covering it in a situation like this, but I really do empathize with your situation. I lost my mom to brain cancer a few years ago. We tried to do a few bucket list items, but had to cancel most of it because she just wasn't able to do them. Life can be short and brutal and tragic. We do need to find ways to take care of ourselves in the midst of all the challenges and chaos that get thrown at us. To find some joy within it all. and even to get through all the mundane tasks of each day. In terms of finances and how to live: In the final analysis each one of us has to define that for ourselves. You get to decide how you want to do it, no matter what any person (or AI!) on the internet says. Choose what feels right to you. For me it came down to finding a balance between spending a bit more to make \*today\* enjoyable and to have things to look forward to in the near term (next few months/the next year) and still being responsible with respect to my long term financial security. But before I settled on that path I did spend a couple years "over spending" (after having gone through a phase similar to yours of being hyper-focused on saving). I definitely had some fun with it, but all of that spending really didn't "fix" how I felt about losing my mom or give me the kind of joy/meaning that I had hoped (and that I needed). I dialed things back a bit and found a kind of balance that worked for me. I spend $$$ on my family/kid, on travel, I don't worry about what I spend on groceries or the gym and a few other things like that. And I refocused on long term financial planning so that I didn't feel stressed or anxious about my long term future (should I be lucky enough to live that long!). You will have your own mix of things that are actually really worth it to you. Definitely give yourself some freedom to experiment and figure out what works for you. \---- Specific thoughts: Maybe don't stop saving entirely. If you've got a 401k plan where your employer matches, I would keep doing that. You don't have to max it out, but maybe 50-80% of max? If your employer doesn't match, try to max out your Roth IRA contribution. For now I would invest in very stable things: maybe even bonds (SGOV or TLT). Just as a way to protect your capital during a time in your life that is already challenging. It's hard enough to deal with all the things related to your mom, maybe it's a good time to dramatically decrease risk so that you don't see red every time you open your portfolio. Once you're feeling more stable you can start moving back into index funds and even individual stocks. and maybe it's worth giving some time to thinking about where you'd most benefit from spending more. and then try it and see how it goes. and to generally give yourself some room to be more flexible with your spending/saving plan. If something important comes up and you want to spend money on it, you can be flexible and say Yes to that even if it means adjusting your savings plan a bit. \---- Good luck with all of it! Life has seasons and some of them can be very hard. Hang in there and spring will come at some point..
VOO is fine maybe a nice emergency fund in your hysa or short term treasury etf SGOV or USFR
I had $7500 set aside in SGOV waiting to max my Roth in January, so I the threw it into QQQM with a trailing stop at 5% and hoped for the best
SGOV is the best for my cash gangbangas
Are you Gen Z? I heard that literacy has taken a nosedive with that generation. "Since this money came out of the 900K have I have sitting in SGOV **separate from my real investments**. " That 900K is my eh.... what looks good today stock pocket money.
I bought a little GOOG but that's all. Mostly sitting on my board of SGOV that I bought a week ago.
LOL. If you are making those statements without knowing the context, then you are better off not posting. Since this money came out of the 900K have I have sitting in SGOV separate from my real investments. Somehow, even if I lost it all in VOO, I'm thinking I'll still be OK.
You’re a good day away from crushing SGOV monthly dividend. I had about 12k in SGOV and decided to put most of it in VOO when it touched 700’s last week. When the market recovers the VOO gains will rapidly outpace SGOV.
Except it is since they are comparing returns with SGOV over that period
I don't think SGOV is a bad position unless you are 100% all in. I do have 4-5 months of emergency cash sitting in a credit union earning 4.5% b/c I love the piece of mind that I can pay my bills and live my normal life w/o worrying about what the market is doing. But we all have to take risks that we are comfortable with in life. Cheers.
I’m at zero cash in my taxable account anyway: loaded up on SGOV months ago. My tax deferred accounts are bleeding to death.
Being wrong with SGOV and chill means you make ~4% a year. There are markets where you should try and make money, and markets where you should try and not lose money. This is the latter to me
I have an open limit order to buy more $VT at $152. I still think $VT and chill > $SGOV and chill. But, we shall see if you are finally right this time.
No state income tax and if you also use the free $1k margin to buy SGOV, you collect interest on the margin as well.
You not knowing basic facts like SGOV’s rate of return is what’s actually peak comedy.
Gonna be a tight race against SGOV.
Sold all my SGOV. Buying time
Getting real close to full porting SGOV across all accounts. This doesn't look like rotation it looks like mass selling.
I already dipped into my SGOV fund yesterday (break in case of emergency). I guess I'll have to do that again.
Welcome to the VIP SGOV Lounge where we watch others gamble & lose their life savings. Feel free to visit the Short Term Treasury buffet.
SGOV til 15% VOO correction then start buying shares and selling CSPs.
i almost sold everything at close yesterday and put it into SGOV until after the midterms, then i inversed myself
I went to ground 3 weeks ago and slammed 80% of my shit into SGOV just in case the orange one throws a tantrum. So far I’m not regretting my decision and we’ll see if the tantrum materializes
I know I’m a small fish but I have about $753,000 mostly in dividend stocks and I make enough that if they keep being stable enough to pay dividends I should be set to relax and work part time in about 4-5 years. House and car are paid. I’m just working toward passive income now. Largest holdings in order are JEPI, O, ARCC, SCHD, and SGOV (alternative savings) with a few smaller investments here and there for good measure. I think if I get $100,000+ into the market and none of the dividend related investments get railed, I should be able to chill a little.
Imagine if I YOLO SGOV??? Imma dream this sweet dream tonight
Mostly in SGOV, SCHD, defense, and T-Bills rn Boomer port crushing it
My emergency fund is always SGOV and I continue to invest other income in VOO/VUG. When the boom happens, I'm not going to be constantly watching stocks everyday to be able to catch it on time. (If I even trust myself to jump in) If it drops, I don't need the money for decades so it has time to recover.
All you cowards are crying over an overnight dip. Meanwhile my SGOV shares are still green.
80% QQQM, 20% SGOV. Rebalance once a year, stay disciplined, and chill. For a more aggressive version, try 40% QQQ, 30% QLD, and 30% SGOV. Higher beta, but still more cash ammo to buy the dip. Stick to the plan and you’ll probably outperform 90% of the people here.
Why SGOV vs high yield savings if the rates are comparable?
Holy fucking shit I'm so fucking sick of losing money I'm about ready to full port all my ports to fucking SGOV.
Right. Good question. There is a theoretical answer and then there is a practical answer. Ally online says 3.2%, so you may want to check: [https://www.ally.com/bank/view-rates/](https://www.ally.com/bank/view-rates/) So, Ally gives you 3.2%. on a 10,000 savings amount that would be $320 per year in interest. This $320, is not yours. You would pay tax on it. Let say you are in 50-100k income bracket in California (Single filer). That $320, after taxes would net you \~$224. Now, if you were to do the same for SGOV, you would have received 3.99% in current rates i.e. $399. After taxes, that would be \~$310. Note: SGOV earnings dont get state taxed (\~95% of it). So net net, you end up coming out ahead with SGOV \~$86. May not seem like a large number for most people. Two things will change it even more: 1. Do you live in an state with income tax? 2. How much do you earn on your HYSA account. I built a free tool for this, so you can compare and figure out where to put your money. [https://sgovvshysa.com/](https://sgovvshysa.com/)
almost no state/local tax on SGOV dividends
Why no just drop it in a high yield savings account? It seems like there are plenty of options that are on par or exceed the SGOV rate? My Ally account that I setup like a decade ago is currently 3.5% and it looks like there are some others that are even higher. A savings account is more liquid and FDIC insured. What am I missing?
SGOV for short term emergency type funds. Long-term I just put in index SP500
I take it your TSP "thrift savings plan" is a pension? Is this guaranteed and is it a defined benefit? Will it cover your cost of living in retirement? If so your in a much better place because your retirement accounts may not need to be accessed right away. Do you get to chose investment options inside your TSP, if so look at 40% stocks / 60% bonds and government securities. This can be a target date fund or you can pick the funds to make this up. You can get help from your plan administrator on what funds oul meet that mix. Your 40 and all your money is in a brokerage account and two mini bonds managed by a Financial Advisor with 13% losses. I would ask why your taking losses and so conservative and your so young. Even if you plan to retire at 55, you have 15 years of potential growth years and you can invest in a mix moderetly conservative funds that would have positive gains and won't lose you 13%. You may want to consider a new advisor, or take your investments over yourself. It sounds like you have a significant chunk in a brokerage account alrrady. An option is to roll the bonds over to your brokerage and then rebalance them, chosing better investments options. Your brokerage account should offer advisor help, look into that as an option. Look to see what your emergency fund is making most HYSA should make between 3 and 4%. Consider money market funds and CDs if they offer better rates. Check k with your brokerage 1st. At your age look at holding the following portfolio % which are consistent for your age I based the example off a $100,000 portfolio. VTI Total U.S. stock market $35,000 / 35% VXUS International stocks $15,000/15% SGOV Short-term Treasury bills $35,000 /35% VGIT Intermediate-term Treasuries $10,000/10% Cash Liquidity reserve $5,000/5% Hold 6 months of income in your emergency fund. If that is to much do 6 months of expenses. Most of thier HYSA pay 3-3.5% which is a good positive yield. Remember this is not advice, do your research and due diligence before investing. Good luck
stop the bleeding, take the loss and buy a short-term treasury ETF (SGOV, BIL, BILS). If you're down $13k, you can take $3k a year of it as a deduction.
First step is understand what you are buying. A typical bond is a contract with fixed term and fixed rate for example, buying $1000 of a 10 year 4% bond, will pay your 4% each year for 10 years, and at the end of those 10 years (when it reaches maturity) return your $1000. You know exactly what you will happen. The main risk is if the issuer defaults. A typical bond fund is buying a basket of bonds. As bonds do mature, it must keep buying new bonds to replace those to keep the fund going. The main difference now is as interest rates change, so will the overall yield of your fund. Bonds have an inverse relationship with interest rates. As rates rise, bonds fall - this is because those older bonds pay a lower rate; and vise versa. So really, it is a speculative investment compared to buying a bond. Also the point of the fund is to persist and collect fees; there is no maturity and promise to return your capital. Going back to the actual bond - if you were to sell before maturity, then it also becomes speculative. It is only "fixed" when held to maturity. If you are looking for a cash equivalent cushion, go with money market or SGOV. If you are looking at generating a future income stream, but don't need the funds now, go with something like SCHD ETF. In the long term it will beat SGOV for sure, with both NAV and distribution growth.
HYSA. SGOV. Recently my bank just offered a 10 month CD at 5% so I’m dumping some there too.
\--rainy day fund is in a money market fund at Fidelity \--I have various sinking funds in treasuries ETFs (VBIL, SGOV, USFR) and other ultra short fixed income like MINT and JAAA.
great question. I personally havent invested in USFR. here is what a quick search told me: "SGOV and USFR are both cash-like ETFs backed by the US Treasury, and both pay monthly income that tracks short-term interest rates, but they hold different types of Treasury securities. SGOV, the iShares 0–3 Month Treasury Bond ETF, holds Treasury bills that mature within three months. USFR, the WisdomTree Floating Rate Treasury Fund, holds Treasury floating rate notes: two-year notes whose interest rate resets every week based on the 13-week Treasury bill rate plus a small spread. Both carry very little interest-rate risk, because SGOV's bills mature quickly and USFR's coupons adjust quickly. Their yields have been close, with USFR's floating rate notes sometimes earning a little more and SGOV charging a lower fee. Income from both is generally exempt from state and local income tax. SGOV charges 0.09%/yr vs 0.15%/yr for USFR." [https://portfolioslab.com/tools/stock-comparison/SGOV/USFR](https://portfolioslab.com/tools/stock-comparison/SGOV/USFR)
Why is SGOV the best? USFR has beaten it in returns by a percentage.
>I’m currently sitting on unrealized losses of over 13% between the two Unrealized losses do have tax benefits. You can net your capital losses against your gains, and any excess loss - you can reduce your ordinary income by $3K. Losses carryforward to future years. You can hold them - but you're just missing out on market rates for interest. If that's your "rainy day" fund - I'd personally sell and buy SGOV (short term treasury fund), which has interest rates comparable to high yield savings accounts plus near zero state income tax.
rainy day funds are put in a safe investment. For me that is treasuries and SGOV is the best short term treasury ETF. Key benefit: No state tax on most of the ETF (in 2025 it was 95%). And it is liquid during market hours, so you can take out the money easily, unlike actual treasuries.
if you have $20m, just buy $SGOV and you will have those as dividend :kek:
My port looks a lot like the SGOV yearly chart but trending downwards
There's probably no instrument that does this because the growth happens in equities while bonds are fixed income. They are two separate asset classes altogether. Just open an SGOV position where you'd normally want bonds and keep your other ETFs in place. Most importantly, don't worry about the noise. Even if there is a correction or a full on crash, it's better to be invested than try to time it right. Better to just keep contributing what you can regularly. Would a massive lump sum at the very bottom of a crash be a dream come true? Yeah, but selling and missing the recovery is a nightmare worse than just enduring the storm.
SGOV is currently 100.67 for both bid and ask. How is that possible?
Moved everything to SGOV. Catch you regards after the erection on Nov. 3.
Someone already mentioned it, but +1 SGOV. Likely having another rate increase here soon, and is already at or above most HYSA for returns. As a big added bonus, it’s not liable to state income tax like HYSA’s are (assuming you’re in a state with income tax). My wife and I maintain a small $5k liquid cash pool in our Amex HYSA, and then keep the entirety of our savings/emergency fund in SGOV.
Consider a t-bill money market fund or SGOV etf instead to get a 3.75%ish return that is exempt from state taxes.
In my opinion these last couple bull traps aren’t worth trading . Opportunities cost not worth it SGOV the move until a big shard happenes
Hard question for me to answer. My buying power is like 4x the value of my portfolio, but I would get margin called holding that overnight. So I’ll use like less than 10% of my buying power, which is like 25% of my portfolio value. I’ve gone up to like 50%, but that’s gotten me in trouble before. I’m trying to lower my risk as my money increases. But it’s tricky to say, because my money isn’t in SGOV, it’s in IVV or similar. I also have puts that will only trigger when the market is down 30%. So if I have already borrowed that 25%, then the market decreases 30%, my NAV will go down by way more than 30% (leveraged), and that percentage is suddenly very high. And then those other options will be exercised, so I can easily get into margin call territory. But that’s basically my plan. I’ll sell IVV to cover those shares if they get assigned. Or take a loss if needed. This is one reason I don’t mess with individual shares (usually). It’s reasonable to count on the market not hitting zero, and it’s reasonable to count on an eventual recovery. The last two times I’ve been margin called, I was able to fully recover. That may not happen next time, but I’m prepared to accept that possibility. “Fully recovered” is a level of wealth that was only made possible by the risks I take.
Yea I guess my basic question is how much of your buying power are you using normally? I.e. lets say you are 100% invested in SGOV and you get the ability to use 90% of that SGOV position as collateral, what % of your account is normally locked up by selling puts. Sounds like that is 20% of your available collateral?
options has massive learning curve , then there are lots of spreads some spreads has higher probability some lower , some is purely for risk management i will suggest you some books to buy or get it i have read them and they are good i am still reading many so Covered Calls for Beginners\_ A Risk-Free Way to Collect -- Publications, Freeman -- 2020 The Options Wheel Strategy (Freeman Publications) ( adds some more things with covered calls ) I am reading this one right now The Complete Guide to Option Selling · How Selling Options -- Cordier, James & Gross, Michael -- McGraw Hill LLC Professional Division, \[N\_p\_\], 2014 -- isbn13 9780071837620 its good as well I read this book INVESTING IN ETFS FOR DUMMIES, UPDATED EDITION -- Russell Wild -- For Dummies (Business & Personal Finance), 2, 2023 -- John Wiley & Sons, -- isbn13 9781394201075 so i am using etfs as base for margin SGOV , JAAA etc they generate stable yield 3 % + depending on etfs your using . they are alternative to cash but generate yield . so its good you just sell then on the odte for your options to be assigned . I have also read many fundamental books for value and growth investing so you only do the wheel or csp cc on value stocks , and with lots of caution and planning with growth stocks . Some etfs are also great for the wheel . and move differently to stocks |Physical Gold|GLD| |:-|:-| |Physical Gold|IAU| |Physical Silver|SLV| |Mega-cap Oil & Gas/ based on stocks |XLE|
Why VMRXX and not SGOV? SGOV has a lower expense ratio at 0.09% rather than 0.10%. It has a higher yield at 3.64% TTM rather than 3.53%. It is passively managed rather than actively managed.
Liquidity and long term investments. Quick two step keep it simple? SGOV (or equivalent short term bond) and VT. Yes you can adjust and tweak with a hundred strategies as everyone is different (18 year old vs 65 yr old retiree, etc.). Adjust accordingly so you have your 3+ years covered in bonds. Or keep 1-3 months cashf or immediate spending, 3+ years in bonds (adjust till your comfortable) and rest in chill growth stocks (if taxable, VT and saves you the rebalance tax impact). If the big crash happens and you go bear for years? thats why you have the sgov/bonds parked for it so you dont hit sequence of returns. and DO NOT PANIC and sell your growth when market drops 50%. You can do better. And you can do so much worse.
\> I’m considering buying every Friday over the next 8-12 weeks. You have a pile of cash. Shove it into SGOV till the new year and watch the market. Everyone is being irrational right now - it's either going to settle down or crater. Oil, bonds, AI gambling (The financial structures here look like they were made by WSB degenerates) and consumer sentiment say "not now".
If someone could reliably time the top, AND reliably time the bottom, they would be more successful than warren buffet Put half in SGOV if it makes you feel better, but your psychology is working against you here
For the midterms? Nothing. For the Oil War and the AI bubble popping? SGOV.
Long term investments like 401k, IRA? Staying the course and still fully invested in equities. My short term trading account? All in SGOV and probably going to build a short term muncipal ladder at the next interest rate hike.
I keep investing in the S&P but have a chunk in SGOV and value ETFs. During dips I’ll liquidate some cash assets and buy more S&P, then replenish. When big dips happen I buy harder and replenish harder. If a 50% recession happens, I’ll just keep buying. I don’t need it for 10+ years, so recovery time doesn’t matter. It’s pretty simple …
My tech sold off, my defensives sold off, literally everything red except for SGOV what the hell man
I went full port SGOV, f this market.
Shifting into SGOV last week is looking like a better decision every day.
Bond funds operate differently than just holding bonds to expiry though, and yeah I agree with you, I don't see any reason for average people to buy and hold $TLT for long periods. I can see the argue for things like $SGOV as ways to park cash so lose *less* money to inflation while you wait for a buying opportunity.
Same I have around 100k in a locked in 4% bond and SGOV which should be a full 2 + years for men
By market are you talking about something compared to the S&P? Schwab is paying 3.72% and Fidelity is paying 3.52%. SGOV looks like it's paying 3.76%. This seems pretty decent when paired with the returns of my CSP and CC. Especially given that is essentially guaranteed.
Been taking profits and putting it into SGOV since March and I feel like a GOD
Yes, this is the disconnect. The new batch of models like Fable, Astra and especially Opus 5.5 are absolutely amazing, unlocking so many new capabilities. Where we are now is already mind blowing, but we know that the frontier labs already have far better models internally (like Bel). This will disrupt almost every business in the world (and if you don't get disrupted you'll simply go out of business). I just don't see demand for AI and semis go down anytime soon. This is just way to powerful. As Dario said "country of geniuses in a datacenter". We've seen this already play out with Navier-Stokes. And we'll see more results soon in practical areas like physics and biotech. Also the security angle - yes, AI is and will be used by nefarious actors to hack whatever they can (we just saw it with what some call Black October). The thing is that the only defense will be your own AI watching all activity at all times and be ready to act, autonomously, as soon as an attack is detected. I think this is a classic shakeout. I've got about a million riding in AI-adjacent stocks (mostly semis and GOOG). I bought some more SMH earlier this week, yeah, I wish I waited a bit, but in any case I remain bullish. I've still got almost half a mil in defensive equities like SGOV and BRK.B, thinking about trimming that to double down and go into more AI with that as well....or maybe not...
Okay, sorry if this is a stupid question. I've got ~100 shares of SGOV It always jumps around by a penny, up and down all day then drops on the dividend date by the amount of the dividend. Why wouldn't I want sit and buy and sell the same hundred shares all month and hold for the last day, then start the cycle again. Like, what are the disadvantages to making $1 selling ~$10k worth of stocks a couple of times a day when I remember to do it?
$SGOV, it sits around generating 3.75% returns on short term government bonds. It has literally moved 0.6% in 5 years, presumably but accident. Honorable mention $TLT. 20 year treasuries should be boring AF, but the idiots in charge have somehow made the most boring financial vehicle of all time into a casino.
Diversify into a variety of etfs, including stocks, dividend stocks, some short term bonds along with other bond funds, REITS, some precious metals fund or two, international stocks and a small amount of bonds, and a few other types and then keep some money in SGOV or such and you will be fine. Most times stocks go down, something else goes up and you can sell that for cash. I would try to keep a year or more money in short term funds, but even those pay 3.5-4% right now. Not a big deal if you diversify some.
I think I’ll just buy SGOV from now on
VOO and chill has become SGOV and chill
right idea on having dry powder ready, but sitting in raw cash for a year hurts with inflation. much better to keep that 50% in T-bills/SGOV yielding \~5% so it earns risk-free interest until the dip arrives, no ?
You know what is SGOV, or hell even short term high yields where I am fully invested now... They are paying 7.9%, companies like Sunoco. Basically impossible they go bankrupt in less 3 years which is bond maturity, they would first dilute shareholders. I am completely out of equities until they get healthy valuation I would buy that. Now not, f*** stock market, I only short those neoclouds and orcl.
SGOV and VBIL, etc are certainly a part of it
Unfortunately when it comes to investing there is no right answer. Everything carries risk and everyone has their own system they advise. When in doubt let this new found money sit in SGOV so at least it’s earning something while you figure out a plan.
No sir I was in SGOV now all in on Micron bought the dip on Friday
My daily SGOV gains are beating the rest of my port lately
Fair enough, SGOV as a SoRR buffer plus Roth conversion fuel makes sense. I'd just keep an eye on how much sits there if you ever need it for something other than the plan.
You are mixing up Duration and Maturity with Term. SGOV is 0-12 weeks Maturity (0.11 yrs avg as reported on their webpage), 0-12 weeks Duration (0.11 yrs as reported on their webpage), and 4-52 weeks Terms.
12 month tbills exist but SGOV doesn't hold them.
All of my money that is outside of the brokerage is in equities. I keep the CASH inside of SGOV because its safe and its primary purpose will be to hedge against SoRR with a secondary purpose of funding ROTH conversions. As of right now, it serves as my Emergency Fund instead of having a HYSA but I understand where you're coming from.
You are mixing up Duration vs. Maturity. SGOV is 0-12 weeks Maturity and 4-52 weeks Duration.
looking at a 6 month chart, the price on the last day before the May ex-date was $49.93 the price on the last day before the Sept ex-date was $49.79 so the yield is higher but you lost 28 basis points if you held for a year and that continued, you'd lose 0.5% on the principal, while the yield is higher than SGOV, BIL, BILS, etc. you'd probably come out a little ahead all things considered. but they both buy and sell put options to juice the div, so there's some risk inherent in that.
https://fiscaldata.treasury.gov/static-data/published-reports/auctions-query/announcements/A\_20260723\_2.pdf Sometimes they reissue the same treasury like the one you listed that was originally issued on Oct 25 at a later date with a shorter duration. That particular CUSIP was offered again on June 30th 2026 as a 12 week T Bill You can see the Ishares website is very clear that SGOV does not hold any treasuries past a 12 week maturity.
SGOV's yield tracks the 3 month T bill, so it moves with the bill auctions, not the day the Fed hikes. The 9/16 cut probably won't fully show up until the new bills get issued over the following weeks. The fund holds the bills to maturity, so there's a lag baked in. Watching the weekly T bill auction results will tell you more than the SEC yield number on any given day. That yield also moves around month to month anyway.