SGOV
iShares® 0-3 Month Treasury Bond ETF
Mentions (24Hr)
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Reddit Posts
SGOV and TBIL, are there safe to invest as an alternative to Savings Accounts to preserve cash value and earn interest?
Offsetting Previous Losses While Continuing to Invest for the Future
Should I invest in treasury funds if no state income tax?
If I'm bullish on the future what's the point in holding VOO? Shouldn't I just get TQQQ and hold long term?
SGOV a good place to hold cash for liquidity?
Are SGOV or USFR still viable short term investing options for growing down payment?
Why do SGOV charts look like this and could the pattern be exploited?
Why does the graph of some bonds look like a sawtooth wave while others don't?
Treasury bills Vs. Money market Vs. CD’s Vs. SGOV Vs. HYSA Vs. Other alternatives. What’s the best way to park my short term cash?
Is it wise to use SGOV almost like a savings account?
SPX Gain. $SGOV & Rest time. Not trying to get caught in a technical bounce.
How to use T Bill ETFs as cash alternative inflation hedges? (SGOV, TFLO, USFR, etc.)
Taking a break from degening. Small PP gain. Hiding in $SGOV for the next 6 months until I can get my head back in the game
Why are the yields of NY muni money market funds so volatile?
What prevents dividend arbitrage with MFs like VMFXX?
Am I losing money to taxes in HYSA instead of treasury ETF/fund?
Beating directly holding S&P 500 by selling deep ITM puts?
Help me find a high yield ETF that I can sell/buy quickly
Parking Cash (Money Markets, Treasury Bills, Bond Funds, ETFs, etc.)
I'm going to break even soon, should i sell part of VTI and put it into SGOV?
Can someone explain the price move of short-term bond ETFs?
I am new to recurring investments. If I want to buy SGOV, does it matter what date I do it on?
Can buying/selling SGOV and USFR trigger a wash sale?
How do I find out the yield on $SGOV?
Options + Bonds ; brilliant original idea, or... boondoggle from hell?
Best Investment Without Actually Buying Treasuries? Am I wrong?
Are there any downsides to my plan to try to turn SGOV dividends into capital gains?
How will floating-rate treasury funds (USFR, TFLO) fare when interest rates start to fall?
Is there a way to make 4-5% with minimal risk without receiving dividends/interest? "Accumulating" SGOV?
If someone wants no regular pay outs but wants to avoid getting screwed by inflation with minimal risk, what do they do?
What is safer now for cash? Keep in Bank account (less than $250K) or T-Bills / SGOV / BIL?
How do fixed income instruments behave in case of a government shutdown?
Can someone help me understand the pros/cons of a bond ETF like SGOV in comparison to buying a treasury directly?
SGOV not reinvesting interest at a good price... Am I missing out on returns?
Are returns from treasury ETFs like SGOV and USFR state tax exempt just like regular treasuries ?
Let's talk about short-term debt securities...
What are some safe overnight bonds / ETFs that I can exit any day easily?
What are the different options for taking advantage of high interest rates?
I want a T-Bill. Are $VUSSX and $SGOV better options?
Table of Money Market Funds/ETF's or Ultra Short Term Funds/ETF's available on Merrill Edge
State Tax Exemptions on US Government Interest for Tax Return
Government Bond ETF - Taxes on Distributions?
T-bills: 3.29% apr for 3 month & is going up with rate hikes
Better Option than SGOV for collecting yield on leftover brokerage funds with near 0 rate risk?
Mentions
Your cash allocation strategy is solid for building a "crash-protection" moat while still earning a competitive yield on the fed funds rate. Your mix of SPAXX for instant liquidity and SGOV/BOXX for short-term Treasuries captures high efficiency without the volatility of your tech-heavy brokerage. BOXX is actually outperforming SGOV because the box spread structure captures time value more efficiently, though it is slightly more complex. You can use AI tools like trylattice because it is perfect for monitoring this situations since you can sync these events to your calendar and get alerts if BOXX starts to reprice lower as rates drop. Having 6-12 months of expenses in these stable assets is a game changer for staying disciplined during market drawdowns.
Use SPRXX instead of SPAXX. Slightly better yield. BOXX and SGOV are fine though. Also, just max the IRA asap. You can leave it in the settlement fund if you want, but no reason to wait to max if you're just going to have it sit in savings.
I read something about less taxes with SGOV
Honestly your setup already looks solid for ‘dry powder’ SPAXX + SGOV is basically cash/short Treasuries. Only thing I’d watch is BOXX (tax stuff + complexity) unless you really need it. Big question: is this an emergency fund (6–12 months), or just ‘buy the dip’ money? If it’s buy the dip, I’d keep it simple in SGOV/T bills/CD ladder and call it a day.
Solid setup overall. SGOV and BOXX are smart plays for capital preservation right now. One thing worth considering given how tech-heavy your brokerage already is — a small slice of your safe money (maybe 10-15%) into precious metals ETFs could add some diversification that doesn't move in lockstep with your stocks. IAU or PHYS (Sprott Physical Gold Trust) for gold, and PSLV (Sprott Physical Silver Trust) if you want a higher upside allocation with more volatility. They've been doing their job as a macro hedge lately and tend to move independently of equities. Not saying go heavy, just that having some exposure alongside your T-bill position isn't a bad idea when your main portfolio is basically a Mag7 bet.
I got paranoid and cashed out my Schwab account last year, let the money just sit there for too long and finally put it in SGOV, should get around 5% return. Just a place to park it for a while.
Sounds like you have a decent understanding of the markets and understand the risks. You could probably afford to put some more in . You could always move it to a brokerage, put it in SGOV and DCA in and DCA out of broad market funds as you’re comfortable. Over a 10-15 year timeline that’ll most likely beat the CD.
I cloned him and Li Lu. Could’ve just put it in SGOV and still made more smh
Your brokerage likely doesn’t provide a separate line for state tax exempt dividends and SGOV isn’t 100% treasuries. Not a huge deal but a little more hassle to do your taxes. Don’t have to worry about this if you buy from the feds on treasury direct
You might want to look into SGOV etf which has a slightly higher yield and you don’t have to pay state taxes on the return. A lot of people use it instead of an HYSA. The only issue is that you can only get your money out when the market is open.
I have credit cards to handle emergencies. I keep my “savings” in SGOV, which I can liquidate in less than two days. I’m not going to immediately need $30,000 in cash outside of a hostage situation. I always have at least $10k plus that is available immediately in my checking account for some random cash situation.
Maybe stocks aren't for you. Stick to SGOV
The price effectively resets every month. Total return on SGOV doesn’t mean shit.
Did Schwab block equities trading for the rest of night? I was able to sell on thinkorswim a few hours ago. Was going to buy some SGOV now but the app doesn’t show overnight trading now. Wtf. Lol.
Thank god I am 80% on SGOV right now
If you're not close to retirement, I wouldn't do anything. If within 10 years, 3/4 SGOV 1/4 GLD and wait it out
META is 16% of my port, OPEN (ashamed to share) is 11%, UNH/MSFT 5%, NBIS/SNDK/HOOD 2% The rest is cash in SGOV
Been mostly SGOV and international equivalents but still the hit that they rest is gonna take always stings
SGOV and chill anyone?
What brokerage are you at? Like I told the person who asked this same question 10 minutes ago, if you have significant state tax then use tac advantaged MM like FDLXX or ETF like SGOV. Else find a low cost equivalent of those two.
I use sgov as a ballast in my portfolio. 65% of my net worth is in it. Mostly because I won’t put all of my made money into the market, not my risk appetite. But also I only borrow money from myself through a pledged asset line of credit against my holdings. They will loan 90% of sgov versus only loan 70% value of a stock SGOV or another bond etf not only down the income but creates tremendous borrowing power against your portfolio
Taxes can also factor into it depending on the state you live in. Funds like SGOV avoid state income tax but you may not need to optimize for that.
I use SGOV in my brokerage account. Did you ask why this advisor suggested this? Did the answer make sense to you? Does this person have a CFP credential or other fuduciary responsibility?
Never hurts to take a profit. Put it in $SGOV and chill for a bit
I'm going with SHY + BOXX but SGOV has it's upsides. Esp in IRA/roth/401
SGOV is what you need, you still pay CA tax on MMF.
SGOV in Chase taxable is what you’re looking for. It’s one business day for that to transfer to your checking savings. Easy.
gain on SGOV. i love this sub.
Sorry :( I’m up 4.34375% on the year just buying and selling shares. I exited the market almost entirely, holding like 11.2% equities and the rest SGOV. I think the market may crack this year
it doesn't make any difference when you buy it. if you bought at the end of the month, you just got paid a cash dividend yesterday. add that dividend amount to the current value of your shares and you'll probably find you're in the green vs what you paid. there isn't any point to timing SGOV unless you are talking about a shitload of money.
Can’t believe I see a SGOV pic in this sub
Buy SGOV anytime between x-div dates. Cost reflects principal + accrued interest. Bond funds aren’t expected to appreciate. Fixed income is generally issued at par and matures at par while paying all the income.
All cash and in SGOV, let it burnnn
Days like this makes me want to fullport SGOV
Open a Fidelity account. Put in SGOV. That is your emergency fund. Then buy VOO on an auto weekly basis. Whatever you can afford with your income. Work to increase that auto weekly purchase. Sell ONLY to pay for urgent bills. That’s the hard part. That’s it. That’s all you need to know about personal finance. Even if you are forced to sell everything to pay for something urgent, as long as you start over and keep this basic mindset you will be fine.
Fuck this shit I’m shorting SGOV
Probably max 401K and HSA first if reasonable. But personally I'd keep 2-3 months of salary in the hysa, and have the rest of my Emergency salary/house/car Funds to brokerage, maybe split into something like salary in Money Market, house in SGOV, and car in BNDS. As long as you have a few months salary that is easy to access, your credit cards, HELOC, et al can cover you for the ten days it might take to get to the rest of your emergency money out of brokerage. I wouldn't call it optimal, but it's a good intro to how taxes and everything are different in brokerage, and now you have a platform ready for after you've maxed all your tax-advantaged accounts. Taxable brokerage is where I tend to have "smaller" or more focused indexed ETFs, if that makes sense. If everything was available to all my accounts, I might have the most fund index like VT (with maybe some bonds) in 401k for simplicity, then in ROTH IRA would be VOO (with less/no bonds) since I want the most tax-free growth possible there, but then in brokerage, instead of VT I'll use smaller ETFs like VTI + VXUS (which together they are very similar to VT). That way i can benefit from the foreign tax credit in the brokerage, and I have more flexibility for re balancing as needed over all of my accounts. And bonds will go heavier into which ever account has a compelling tax reason. E.g. if I have a high state tax, some bonds might make more sense in brokerage, but otherwise I'll probably have more bonds in the 401K. Be careful of having the same funds (or funds that are practically identical) in brokerage that you have in other accounts. If you ever get to the point of tax-loss harvesting in your brokerage, you can't use that if you have the same or similar-enough funds in your tax-advantaged accounts. I'd lump sum from HYSA Have a plan for retirement, and then ignore dips until you are close to retirement (or have a plan that includes buying more during dips to benefit from the discount, but I'm not smart enough to time the market like that). Your plan should include the possibility of a crash during retirement. If you aren't actively spending money from your accounts as income-replacement, such as you would during retirement, then downturns mean little (unless we finally have The Downturn That Never Upturns Again, in which case, have extra ammo and water, since your accounts probably won't matter) You plan should cover all your accounts. If you want 10% bonds now and 50% bonds closer to retirement, that would apply to all your investments. Your accounts don't have to have the same distributions ides each one. Remember that only ROTH dollars are showing you your real invested dollars. E.g. a good portion of that money in your 401K belongs to the government, so subtract 22% if you want to know how much money you have in there (or subtract whatever your tax bracket will be in retirement, which we unfortunately can't know). For brokerage, it's more complicated.
\> no matter what I try to do to shelter money You want shelter, buy SGOV or something similar. You want more return than that, you have to put your assets out into this crappy world we live in.
Yeah fuck this i’m going full SGOV at least until midterms knowing divvies will make back my losses so far
Sell everything. SGOV for 8 months. Buy everything back.
Does it make sense specifically with SGOV to buy high and sell low for the tax loss harvesting benefit of the capital loss?
SGOV pays a dividend monthly\*. The ex-dividend date was 3/2/26. On the ex-div date the share price dropped by the amount of the div per share. The dividend will be paid 3/5/26. Look at a chart of SGOV price it goes up and down regular as clockwork with div payments. They publish a distribution schedule: [https://www.ishares.com/us/literature/shareholder-letters/isharesandblackrocketfsdistributionschedule.pdf](https://www.ishares.com/us/literature/shareholder-letters/isharesandblackrocketfsdistributionschedule.pdf) \* It's actually about monthly. There are two dividends in December and not dividend in January.
The SGOV dividend pay date is today 3/5/26. Some brokers may not show it until tomorrow.
SGOV calls are gonna print
I ended up switching from BIL to SGOV, simply because shares are easier to round to 100, and using it as a buffer to absorb any potential csp assignments. Since yields are climbing back up/mean reverting, I may want to short TMF to hedge my TLT as long options haven't quite worked for me this far.
VBIL is a slightly lower expense ration than SGOV, but I read that you are more state income tax exempt (97% of the dividends) with SGOV. I forgot what it was for VBIL, but it was much lower. So any cost savings would be negligible.
should I make a post about my SGOV monthly div payout gains??
If you haven’t pulled the no interest 1k margin on Robinhood and bought SGOV so that you essentially have Robinhood Gold for free, then what are you doing?
SGOV, iShares 0-3 Month Treasury Bond ETF
Seems like very reasonable advice. I think SGOV is currently yielding about 4% state tax free so I would probably just choose that instead. Though for a short time frame like one year it's not a huge difference.
I keep mine in SGOV. When the market dips, I buy a bit of VT. I know this is stocks, I sometimes buy individual stocks when I think they’re beaten down by a story that doesn’t affect the business.
I think most money is just going to short term US treasuries aka SGOV. Even longer term bonds are down.
Call your tax person and ask how to handle the capital gains. Might be able to soften the blow a tiny bit putting the estimated tax into SGOV until tax time next year, if you don’t need to send it in now
Yep I have one of those at 5% for a 36 month CD on 170k So it’s worth it due to scale. 20k I would have just put the whole boat in SGOV.
Just buy SGOV. 3.5% fixed rate for 10 months on a CD is gonna net you <350$ lol it’s not worth it at that level.
Ya on Schwab you manually push your cash into SWVXX, SGOV, or whatever. I’m used to it so it’s not a big deal but Fidelity handles that better. Rumor was fractional share purchases were coming to Schwab from their subreddit but who knows. Reinvestments are fractional, tho, it’s just initial purchases that aren’t fractional from what I understand.
Still holding my SGOV stash tight for now
Sold quarter of my SGOV to buy some dips today.
CD’s are for when you know the exact date of the spend. Short term money just money market or something like SGOV if you’re using a self managed broker like Fidelity. I generally tell my clients their emergency fund is safer with me in a money market than in HYSA or SGOV in self managed account (people just tend to tap into it more in my experience). I generally tell people to not bother with CD’s. The difference in yield is generally negligible. Have a plan to auto invest, your advisor should be pushing you to spend less and invest more auto, putting you into financial planning software. Emergency fund in money market is fine.
Who knows... your "mistake" could be the best thing that ever happened. We don't know the collective cost-basis, but given the state of the markets and outlook for world peace, you may have saved yourself from huge losses. Don't look back. You're not a moron. Chalk it up to experience and start making plans for reentering at lower market prices over the next year. Someone suggested SGOV... maybe not a bad idea(?). Just be sure that cash is collecting something... SPAXX(?).
People who tell you to pay the estimated tax immediately are incorrect. You don't need to pay estimated tax as long as you'll pay at least 100% of your previous year's tax (via job withhold, for example) or 110% of your previous year's tax if you make more than $150k this year. So if you got a refund last year and don't change anything in your tax withholding selection at your job, you'll be fine. Put some of that money you gained aside in SGOV to pay the tax on April when you file. You log into your Fidelity account and see if those are long-term or short term gain and put aside an appropriate amount.
Easy solution just set 4k in SGOV or just hold in cash till next tax season if you feel you’ll have to pay that in taxes also look into tax loss harvesting if you have any losing stocks your holding it could negate from your tax bill next year
You might find in a few months that your stock went down more than 3.8k, and you did well. I'd wait a little bit to buy back in. You can always park it in SGOV for a bit.
8k at 1200 ETH, you got some stones on you… was that your only 8k in the world? Like all your savings? That’s so nuts. Lol. BTC and ETH work similar to sp500, but because crypto is so volatile, the punishment for panic selling is more severe. But all personal finance is the same: spend less than you earn, have an emergency fund, have a plan to invest auto (don’t rely on self discipline), sell only when you have an urgent expense to pay for. Money is a function of when you will spend. If you don’t know, or know it is short term: SGOV. If the plan is to not touch it for years: VOO. Buy auto and weekly. Sell only to pay for urgent expenses. If you sell for other reasons, you’re likely making a mistake. You will learn a ton along the way! Best of luck!
Open a Fidelity account. Put it in SGOV (very safe) while you learn about personal finance. When you have income, you should auto buy VOO (sp500) on an auto weekly basis. You can do this in Roth or taxable. I think everyone should have something in taxable (flexibility). Sell only when you have something urgent to pay for. You will learn a ton more as you go. But that fundamental is the basis. Have emergency fund. Invest auto. Don’t panic sell. What price did you buy that ETH? What price did you cash out? Do you wish you would have let it ride?
Dude, why are you getting so worked up? What do you care how much I have in SGOV, or the over-weighted positions I trimmed to accumulate cash? It's all part of investing. So, I had 57% of my taxable account ready to deploy, if warranted. That's a strategy, it's called capital preservation. I've got a military retirement, two revenue streams from co-owned storage facilities, a rented house in Costa Rica, and another in Spain. I'm not concerned about having everything I have in VT at my age. I'm struggling to find hard assets to store capital and the market isn't my first choice and owning real estate abroad has its own set of problems. Don't judge when you don't know anything about my situation.
My serious advice (also making real estate moves) is $SGOV till the end of the 1st Quarter. I think you will get a bigger dip to buy
If your horizon is not at least 15-30 years (you said 2years) don’t put money in VOO VOO return in 2024 24,94%, in 2025 17,82, in 2026 so far 0,62%. There is clear slowed growth last 2-2.5 years. And it could be very easily followed by decline. SGOV yes or HYSA, but for such short term(2-5 years) I wouldn’t risk my money in any US index.
Bruh the fact someone is tryna sell 9 million dollars worth of SGOV rn lmao
Fuck i can’t sell my SGOV position until market open
Open a Fidelity account. Just buy VOO. Set it to 25/week. Work to increase that weekly amount. Use SGOV for emergency cash. Sell only when there is an urgent expense to pay for. You will learn more. But those are the basics. Don’t overthink it.
You need to educate yourself first. Sign up services like seeking alpha, yahoo finance (free). Schwab (free), and many more, YouTube videos. Then touch the water with small amounts of money (e.g. $10k) to see if you like your strategy. Spend 1-2 years experimenting until you develop a system. During this time, park the rest of fund in SGOV or TBLL to earn 3-4% yield. IF this is too much for you, find a trusty financial advisor to manage the money.
Opens a Fidelity account. Don’t use hysa. Use SGOV. Yes buy VOO on auto weekly basis. Sell only when there is something urgent to pay for. You learn this so early, you will see money is easy!!
Just buy VOO on auto weekly basis. Work to increase that weekly amount. Sell only to pay for urgent things. SGOV of SPAXX for short term cash. You’re making it more complicated than it needs to be. Best of luck to your mental state. Find a trustworthy pro to help you. This is no insult. But you obviously don’t have the temperament. No biggie. I don’t have the temperament to cook. I pay for food 🤷♂️
SGOV. Learn to invest though. The issue is you don’t have income. But you will one day. If you’ve earned more than 7500 so far this year, you can put that amount in Roth. You will have access to the contributions. Not the growth. Basically long term money put into VOO. Short term money goes in SGOV. You only sell to pay for urgent expenses. That’s it. That’s all anyone needs to know. Everything is built on that fundamental principle. Spend less. Invest more auto. Don’t panic sell. One day you will probably delegate this to a trusted advisor. It won’t be worth your time to manage. Best of luck!
93 days ago you were asking if SGOV counted as bonds in your portfolio. You’re cocky enough to lose a lot of money, so god speed regard.
As if I’m going to listen to someone who was asking if SGOV counts as bond holdings 93 days ago.
SGOV for the ex div Market has to sort through its shit
+1 for SGOV, current rate last I checked yesterday was 4%! And you don’t pay tax like you would with a traditional HYSA through a bank
Buy SGOV and chill!
Why not put it in SGOV instead, for slightly higher interest and the freedom to withdraw it on a moment's notice with no penalty?
Oh, the struggle is real. I had been holding underwater since November and DCA'ing down while letting silver carry the weight of my port. But now that silver had its January crash... I mean, otherwise I mainly just use SGOV to park premiums from CSPs&covered calls.
Portfolio is up 28% YTD. Would i be crazy to SGOV and chill for a couple months to see how things shake out
I am not a lawyer, but if a client requests that something be done the advisor should either 1) explain to the client why it can not or should not be done 2) if it should not but could be done but the client still insists it be done the advisor either needs to submit the transactions per the client request or terminate the relationship. At the end of the day, though, in order to get recompense you'd need to be able to quantify a loss due to the adviser not following instructions. Otherwise (again, I'm not a lawyer), you could file a complaint with the SEC and the SEC could "sanction" the advisor for noncompliance. As a side, if your folks are only in CDs or cash equivalents, they should not be paying an advisor on those balances. Just have them buy something like SGOV and/or VTIP.
SGOV outperformed me this week
Not who you replied to, but SGOV is what I use. TBIL is another.
taking a break from anything other than TLT and SGOV. Managing emotions >> chasing
I don't have a 401k I know sounds crazy I am 62 now the only time I ever worked for a company was actually on 9/11 I was working at a brokerage company as a Financial advisor across the street from the WTC building was heavily damaged forced to move to another overcrowded office in midtown Manhattan I was like the low man on the totem pole only there about a week or 2 then got the boot the only compensation I got was a measly 5k from the 9/11 if you lost your job within a month they handed you some dog biscuits what a joke .That's why these days I am pretty conservative with the money I live mostly money market funds,high yield bond funds ,SGOV and a bit more aggressive in inherited IRA I have to be careful expensive living here in Miami
5 months where parking my cash in SGOV would have made more money? Oh brother…
I am about 85% invested. Then 7% SGOV and 8% in my bank account.