SGOV

Sad-Airman

SGOV

Incorgnitos

Don't ever sit on cash - rotate into defensive positions to derisk, rotate into aggressive positions when conditions are favorable. Cash is useless. You can put it in SGOV if you want to hold "cash" but aren't willing to dive into risky stocks.

magic-grits

If you ignore the past 5 weeks (not saying you should but just do this thought experiment with me) alot of these companies are still discounted from prewar price, which was already dipping a bit because of Capex-gate despite them all crushing earnings. So yes, i think this morning is still a good buying opportunity. Despite the huge gap up in premarket, 90% of the day’s volume still happens between the bells. I full ported my roths into MU yesterday but left my taxable brokerage balance sitting in SGOV. I am buying more today. Its busness as usual for now which is hard to switch back to after weeks of changing your thesis every 10 minutes based on tweets.

DeezCodeNutz

Did you not get the 'SGOV Exit' memo last week?

Kachowxboxdad

I exited market March 5th and hung out in SGOV, so it’s painful not catching the rebound - but at least I didn’t piss money away on puts. Every time I wanted to buy some I would’ve lost over the last two weeks.

TJMBeav

What makes you think he agreed to this shit. Boy, put your money in $SGOV and let the grown ups enjoy this game.

Alicyclobacillus

You're probably better off buying VOO and not checking the app for a couple years rather than trying to trade this market. It's pretty far detached from fundamentals and macro conditions. The president can post whatever he wants, true or untrue, and whenever he wants. Equally good idea is just put your money in a CD or a treasuries fund like SGOV until the administration leaves office.

Alicyclobacillus

I sold at about our all time high Did some swing trading since the war started Up about 5% ytd Currently 100% in SGOV I'm honestly thinking of staying in SGOV the rest of the year, will get me close to +9% annual return from my equity trading plus SGOV dividends I have no confidence in this administration at this point

magic-grits

I sold everything 3/14. Moved into BWET, GLDM, and XOP. It popped but it was so volitive i couldn’t handle the swings, especially being full port. I sold a couple days later for a decent profit. Just been sitting in SGOV since 3/20. I’ll buy tonight if the deadline gets pushed but just normal stocks. Im not cut out for commodities futures haha.

Nago31

A miracle coin flip landed just right to save your portfolio and is good timing to take a break. SGOV and chill from here for a bit

Low_Amphibian_146

SGOV

HolaMolaBola

I'm in post-retirement and these are my fave bond ingredients suitable for the living expenses bucket. ||**Low Duration Bond Sleeve**||||**Sleeve Weight**|[**Std.Dev**](http://Std.Dev)|**Coupon**|**Fees**|**Duration**|**Rating**| |:-|:-|:-|:-|:-|:-|:-|:-|:-|:-|:-| |||||||||||| |Ultra Low Duration Treasury Bills 45day (100% AAA)||||SGOV||0.60%|4.18%|0.09%|0.13 yrs|AAA| |Ultra Low Duration Credit 1yr AA- (33% AAA 0% junk)||||PULS||0.83%|4.73%|0.15%|0.27 yrs|AA-| |Low Duration Treasury Notes 2yr (100% AAA)||||SCHO||2.03%|2.95%|0.03%|1.88 yrs|AAA| |Low Duration Govt/Credit 3yr AA (73% AAA 0% junk)||||BSV|72.35%|2.90%|3.34%|0.03%|2.60 yrs|AA| |Low Duration Junk Credit 4yr BB (0% AAA 100% junk)||||HYDW|27.65%|6.21%|5.60%|0.20%|2.80 yrs|BB| |GNMA Govt Mortgages 7yr (100% AAA)||||VMBS||6.85%|3.73%|0.03%|5.27 yrs|AAA| ||||||||||||

PHL1365

So I'm kind of thinking: 40% SGOV-- present through Year 2 of retirement (\~mid-2029) 35% JAAA -- Years 3-4 of retirement, reallocating to SGOV at Year 3 mark (\~2030) 25% VOO -- Years 4-6 of retirement, then reallocating to JAAA at Year 3 mark (2031) Years 6+ of retirement - Turn on SS and begin IRA withdrawals The initial SGOV bucket should last until mid-2030, so I'm being a little conservative with the reallocation timing. Could probably stretch the whole plan out by another year or 2 if I get half-decent returns on JAAA and VOO Does this general strategy make sense?

oldirishfart

You could consider a Aaa-rated CLO (JAAA, PAAA, FAAA etc) for a higher yield than SGOV

Ok-Wolverine-4223

JAAA or FBND for a little higher return for your year 2 year+ bucket. I might do a small bit of JBBB as well, but not too much. SGOV/HYSA for short term needs mixed with some CDs for 1+ year.

fallingdowndizzyvr

> If it matters, I'm in California and I understand SGOV is more tax-efficient than SPAXX If you are going to be living overseas, why maintain California residency and thus California income tax. Get residency in a tax friendly state.

SnS2500

You should do what you think is best, but the overvalued stuff is irrational market timing. An ETF aimed at beating inflation by 2-3% would be a catastropically bad investment... all risk, no possible meaningful return. If you want to give up this opportunity to make money with your money and instead \_save\_ your money as you bleed it into non-existence, then use a no-risk short term treasury money market or ETF like SGOV. But again I'd encourage you to buy at least one share of VOO just to see how it does over time, and see if you have made a good decision to save rather than invest or not.

FrankDrebinOnReddit

Yeah, I would (and do) use SGOV over SPAXX for my emergency cash position. Much better expense ratio plus the state tax exemption.

PHL1365

Thanks again. I just received a portion of the cash so it's currently sitting in SPAXX. Does it make sense to buy SGOV immediately until I figure out a strategy? I already have an emergency fund, so no concerns about liquidity.

PHL1365

I'm thinking about 40% in HYSA+SGOV. Total cash is \~450k. That would be for now until retirement+2 years (so basically through \~end of 2030). What are some steady but lower-yield ETF's that might be appropriate for a 4-8 year horizon? FWIW, my risk tolerance is fairly high. I could live off just SS + 2% SWR from IRA as early as mid-2030, but looking to use the cash to optimize Roth conversions. Maybe TIPS for the next 20% and then SP500 ETF for the remaining 40% (which would get shifted into cash starting around 2032)

No_Alternative_6206

I might base much of my decision based on what you have right now. If you currently have a cash position I would stay in something like SGOV until the market is showing a clear trajectory and then reevaluate. Otherwise your biggest risk so close to retirement is you get stuck in a market crash that takes 10 years to recover. You sacrifice the upside for that insurance but it may be a better bet given that interest rates still yield a respectable amount.

Ahamadrayasbaboon

SGOV

LinearSpectrum2026

Uhh… the 50% in stock will see gains, the 50% cash (actually SGOV) earns interest? But honestly with a recession being likely (thanks to doofus who thought war was a great idea) I’d sell if it goes 20% higher. What about you?

GoldenAries4

My only holding right now is SGOV.

deadfishlog

I’ve been in SGOV and doing sector rotation since last fall. Which is what leads me to realize how hilariously incorrect these headlines are. Do they exist to bait retail or what?

TJMBeav

Cash. I mean $SGOV

groceriesN1trip

SGOV my safe haven this past 30 days, that and oil

TJMBeav

The market was headed to bear territory even before the "war". Whatever you do, don't get sucked into a "war is over" rally unless you are actively trading. Putting aside tax implications, why wouldn't going to cash ($SGOV) for a few months make sense? Wait till confirmation that it has actually turned? You give up the initial 10% pop and potentially avoid a real possibility of a 15% retrenchment? I am selling a house I own out right in the next month. That money is going straight into $SGOV until things are much more stable. I'm obviously hoping to buy much lower

SomePolack

SGOV

Unique_Mortgage_7827

Moving cash from HYSA to taxable brokerage. No immediate purchases planned but want to maintain some liquidity while focusing some capital towards growth and long term holdings. Wanting so capture some of the potential AI growth. Been educating myself via most available online tools but looking for thoughts, opinions and recommendations. TIA $77k Total 30% Cash - SPAXX Core 30% Treasuries - 50% SGOV - 50% USFR 40% Growth - 40% VOO - 20% SMH - 20% AMAT - 20% LRCX

Livueta_Zakalwe

Liquid portfolio down about 10%. But that’s because I took profits and paid off debt, so net worth is down about 1% YTD. Portfolio still up about 15% from Jan 2025. Started de-risking when the war started, now at 30% SGOV, from 10%. Sold all individual stocks, just in various ETFs.

Immediate-Finding454

Put it in SGOV, get a risk free dividend?

magic-grits

SGOV and play by ear.

Brilliant_Turnip7849

great post but oil ships are already going through the Strait of Hormuz with no issue - Iraq, India, Japan, Chinese tankers. other countries are already negotiating with Iran for their tankers as well. oil price won't go to $140 - look at gold price. middle east/ asian countries tend to hold gold for security and they are no longer buying it for protection anymore. the most recent spikes weren't from them. for me, the market knows that after June, vix will come down fast since the war will be over or hold (like US vs China). im just buying a bunch of blue chips right now while shopping for another house since it's a buyer's market since mid 2025. also have been holding SGOV since Fed won't be lowering interest rate anytime soon. my non-pro prediction - spx won't be moving much (to wipe out all the option buyers on both direction), gold will falling to $4000 by june, fed will keep the interest rate at 3.5 - 3.75% until august, housing market will stay weak with 30yr mortgage at 6%, tech companies will be laying off... i went through '97 asian crisis, '00 tech bubble, '07 financial crisis... before covid... at the end, whoever can hold eventually wins...

SuperSimpleSam

cash? nah. SGOV is where it's safe.

Gladiz1972

I am actually not down to badly keep a lot in money market funds and SGOV own Qqqi and CHPY do a lot of cash secured puts on expiration day which can be 3 X a week

Loose-Report-5951

I just don’t get it. At this point of wealth why are we not putting it into dividends? At the very least SGOV? Gambling is one hell of a drug bruh…

Singularity-42

I'm 70% in equities and 30% in SGOV.

Buntatricky46

Cool, I sold INTC 1-2 weeks ago, $700k in SGOV waiting to deploy

Gileaders

Maybe SGOV and chill for a year to see how all this instability shakes out.

paq12x

I am a little younger than you are, and I am buying like crazy. In my 401 (k) account, I always buy since it's automatic, and with a great match. Every 2 weeks, I have $3k going into the index from my 401k contributions. In my taxable account, I always buy. I've been buying since forever, so I have a lot of unrealized gain. So what if the last few hundred VOO/SPY come out at an unrealized loss? I'll use that to offset the gains when I need to sell the shares during retirement. I just looked. I bought 1150 SPY during March. Only 150 of those shares are in the green. I am not worrying about the current situation at all. The money came from bonds and SGOV. My biggest regret was not dumping everything I had into the market during the dot-com bust. I made up for that by putting everything into the 2008 crash and the COVID crash. I literally had almost no emergency funds during that crash. My "emergency" fund was my Roth contributions and my 401 (k) loan if I ever need it. I was 100% confident in my employment, and it worked out in my favor at the end.

Junior-Appointment93

I’m an options seller. Money is there. If you want to retire soon. Good time to stock up on ETF’s like SPYI,QQQI,IDVO, and SGOV. SPYI and QQQI mainly for income with some growth potential. IDVO for growth. SGOV to preserve cash and to deploy said cash when needed. All 4 pay monthly dividends.

niv141

At this point and this close to retirement i'd probably just put it into SGOV or something and enjoy daily income

gacdx

Mid 40s and sitting on about $750K in SGOV and another $100K I planned to put into the market. I set some levels to buy at and am nibbling VTI and VXUS. I know I’m not going to catch the bottom and I think we have another 10% to go but rather be in the market than miss upside. I’m still positive YTD.

PinPsychological82

I don’t know too much besides $SGOV

Ahamadrayasbaboon

US Treasury Bills. It is an ultra-short bond that has a specific value at maturation, but no coupon payments. They are purchased at a discount from that value. Imagine purchasing a $100 bill for $99, but it’s not worth $100 until July. Between now and then it is likely to trade at any value between $99 and $100 on the secondary market.  There are ETFs like SGOV that use a continuously rolling pile of them so that they behave like a high-yield savings account, and they have a rate usually a half a percent or a percent above inflation.  Because of the ultrashort maturity, they don’t have fluctuating price action like most bonds. This is literally the “risk free rate” you see in financial math, such as found in pricing models for financial derivatives like options. 

Revfunky

April is typically one of the best months of the trading year. April is where we reap what we have sown. You don’t win by sitting in the sidelines. I will say this, the market is more predictable than people think. Ultimately you need a strategy or you are just another bloke. The odds of you timing it are slim to none. Name the best market timer in stock history, I’ll wait. And I didn’t read any actual data in your post, more akin to whimsical prognostications. It’s not your fault and I’m not attacking you. Maybe you should sit this one out until you are ready to put some skin in the game. Is NKE a buy at this level? FSLY doesn’t seem to care about the rest of the market. SGOV, gtfo. This is a stock subreddit, or at least it masquerades as one. You said it yourself, you know timing the market is dumb. I am seconding that motion.

Buntatricky46

$700k dry powder sitting in SGOV, I feel like Warren buffet

ILikeCorgiButt

Thanks for the green yesterday. Got a chance to liquidate half of my portfolio and put it into $SGOV. Holding spx puts for end of apr

gjbaca17

Just jumped in some SGOV shares. 50@100.43. Wish me luck boys.

Rav_3d

Even if you put your investments at the tops, in the long run it doesn't really matter. If you are risk averse, then it is reasonable to wait to see how this market shakes out. If Monday's low does not hold, then there are stronger odds of a more protracted correction or bear market, especially if oil prices show no sign of coming down. I don't understand why DCA is not an option for you. Can you not transfer those funds into a money market or SGOV ETF and then DCA from that into SPY?

Decent-Photograph391

I went to 50% SGOV a few months ago as I’m near retirement. I just did my monthly portfolio check and it’s down 1.5% from the last check on March 1, as the war was starting.

Zestyclose_Panda_886

I opened 3 accounts for HYSAs a few years ago and realized I was chasing a quarter point of interest for it. Now I invest in SGOV. I'll give them a little money to chase the T bills from now on.

BigWarning8696

Ride it out in SGOV and wait for the dust to settle

Catch_ME

I'm so glad I took profit these last couple days. It's sitting in SGOV now. 

Various_Match_187

You don't need to leave it there losing value. Put any "waiting money" in SGOV or another conservative investment. Then DCA by moving to stocks, a little bit at a time.

Blammar

The following is my opinion, and not investment advice. Whatever you do, don't put the 350k in the market all at once. Right now, put it in SGOV so it earns some cash while you think about what to do with it. I really would DCA most of it into VOO over the next year, and see if you can get in on the SpaceX IPO with 10% of your funds.

phate81

There is nothing wrong with using your brokerage account as emergency savings, so long as you structure it correctly. I personally keep 6 months worth of living expenses between SGOV and SPAXX, then put the rest in ETFs and stocks.

Due-Hovercraft3086

I think you’re misunderstanding what’s being talked about here. Yes, anyone trying to “compete with sophisticated algorithms running on supercomputers” is performing an exercise in futility. Yes, time in the market > timing the market. Nobody is talking about competing with anyone to trying to time the bottom. People are talking about looking at the physical reality of the global situation and making a prediction that we haven’t yet seen the bottom, that’s it. Even if it only were to fall another 3% or so, that’s still an opportunity that someone can decide to take. There’s opportunity costs either way. If you stay invested and it drops further, that’s assets that you could’ve acquired cheaper had you moved to a larger cash/SGOV position, if we’ve seen the bottom and it doesn’t get any cheaper than it is, then that’s unrealized gains that you could’ve had but missed out on. My point is that it’s not irrational to look at xyz data points and draw the conclusion that there’s some likelihood that we can go lower from here. The insistence that that opinion is irrational and illogical because of a general rule of thumb is a gross mischaracterization.

Decent-Photograph391

SGOV and the like? You don’t have to be in equity 100% of the time, just ask Buffet.

Decent-Photograph391

All these downvotes tell me how so many here desperately want you to be wrong. But the market doesn’t care about their feelings. They’ll all disappear off of Reddit for a while once the real beating starts. Thanks for the post. I’m 50% in SGOV now because I don’t see much upside in this market. That’s my FIRE money. What I do have in equity is essentially house money.

Ahamadrayasbaboon

The move is definitely retarded. At least doing it on a credit card is. But, 0% interest for 15 months into my brokerage….I could buy something like half treasury bond ETF at 4.9%, quarter SGOV, quarter SPY, and be very likely to make a modest profit before paying a cent of interest AND get to LTCG tax territory. Way too good to be true. 

Singularity-42

30% SGOV, 10% metals, 60% stocks, mostly tech. Look, I don't have a crystal ball, but I'm being cautious.

Singularity-42

This rally was a gift and I'm trimming. Still about 60% in equities, 10% metals, 30% SGOV.

Mountain-Steak-544

Did SGOV just dump

papakong88

The assignment notification usually comes after midnight central time. If we sell SGOV after we are notified, we will owe one day of margin interest. If we do not wait for the notification and sell SGOV before 7 pm CT, we will not owe any margin interest. If there is no assignment then we can buy SGOV back. We will lose one day of interest (The buy back price is more than the sale price, the difference is one day of interest.). One day of margin interest is 3 times greater than one day of SGOV interest.

Thick_Strain1946

Back up today so sold all my stuff and will take the boring SGOV method until war is over or major dip happens.  I am all in on timing the market. 

InevitableAd2436

Me too. I’m heavy in SGOV now. Not gonna get fomo this time…

No-Sympathy-686

4 years. I started trading options. I sat and watched and learned for 2 years before I made any trades, had money sitting in SGOV. Also, RH chart is dumb because I've pulled out over 200k and it fucks up the chart.

papakong88

When you sell CSP, Fidelity requires you to have a cash equivalent as collateral. (assuming you are approved for CSP only.) Cash equivalents are cash, money market funds, T-bonds of less than 1 year in maturity. Money market funds used as collateral will earn interest. When you sell naked puts, you can use buying power as collateral. Most of your securities have BP. For example, SGOV has 70%, money market has 100% and Treasuries of less than 1 year have 97%. Money market funds used as collateral will not earn interest.  When you have a margin account, you can buy securities with a loan from your broker.  Say you want to buy $1000 of XYZ. You will find from the website that there is an initial margin requirement of 50% and maintenance requirement of 30%. (This is typical. Some stocks are higher.) That means you must have 50% or $500 of BP as collateral to buy. After purchase, the collateral is reduced to 30% or $300. The difference between what you owe and the BP is a loan. For Treasurys, the initial requirement is 10% and the maintenance is 3%. That means you can buy it with 10% but you will have a huge loan. I use Treasuries in my account instead of keeping SPAXX. SPAXX will not earn interest if it is used as collateral to trade options.

Crazy_Donkies

This is why puts are for hedging big positions and not bets against the economy.  Cash or SGOV is a position. 

papakong88

SGOV is traded 24/5. If there is any possibility of an assignment, one can sell SGOV before 7 pm CT and it will meet the assignment.

Incorgnitos

I started pivoting to defensive positions April last year and just rebalanced for a heavier bond allocation (technically bond ETF) in my portfolio. I'm tempted to start buying a lot of stuff, but I'm holding where I am because, imo, this is gonna get a lot worse before it gets better and we still have a ways to slide. Trump can't pull out of this like he could quickly back pedal on tariffs and energy production capacity is simply destroyed - it will take years to come back, if ever. Supply shocks are coming and still being understood, slowly, as it relates to what business and industry are going to be affected the most. I'll buy in when I have a better picture. Until then, defensive positions and hold in SGOV/TFLO.

papakong88

Using SGOV is smart because the value does not change much. If you do a lot of option trading, it is better to have T-bills where the value does not change much but the BP is around 97%.

SomePolack

We are cooked if WSB is endorsing SGOV in the same boat tho 

ArcDogRob

I think this is getting under 🥭’s skin, and he’s moving into “the only good big is a dead bug” stage. And Hegseth’s doom boner is raging. Anyway, SGOV for the win. We r boned

winedogsafari

I never kick myself for missing a gain because I know there will be an opportunity in the future. I’ll redeploy capital when I know there is a path forward - meanwhile I’m sitting is SGOV and have made minor gains over the past 2 weeks while the market is deteriorating. I’m not timing the market; I’m preserving capital until I feel the risk reward presents itself again. I’m going with there is more risk than reward at the moment - so I’m moved to cash. Parts of Asia are 45 days away from running out of oil. It will take several days for their refineries to begin cracking and come back online once oil finally reaches them - which is two to three weeks after the SoH becomes safe for passage.

AdvanceUsed2790

All I care about is not losing huge sums of money right now. I just saw on Bloomberg TV that of the top 6 ETF inflows the last month 40% of it is short term treasuries like SGOV.

subfloorthrowaway

I feel like I addressed this in my comment, lol. My plan *was* to start reallocating about 5 years worth of money into SGOV to give me a safe place to withdraw from during down markets (to be replenished from equities during good markets) and withdraw 3.5% from the rest of my equities per year to live off of. Depending on how long this shitty market lasts it delays the conversion (or until I accumulate enough to hit my number again). It could also recover by year end and it doesn't matter. Would hate to have to wait a few extra years though.

WinstonSalemSmith

I have a lot of SGOV, other bonds and treasuries. I have a large long position in oil that I have been slowly selling. When WTI gets to $150 I will have to sell more. It can't go up forever without hitting global growth, thus reducing demand for oil. Demand destruction. I have puts on JETS for April and want to buy May as well. I have a small position in the QID leveraged inverse ETF. I was in VIX with VXX, but sold. Will buy again if it falls. If you believe USA is trapped in Iran you can take these sorts of positions. If you don't believe this you should avoid such moves.

Incorgnitos

SGOV does not grow (capital appreciation). SCHD will always outperform SGOV over a long term, because it has dividend accumulation + capital appreciation (growth).

aspenextreme03

Yeah true that makes sense. I have a good bit of it from way back and mostly do SCHD or even SGOV if I just want the yield w/o paying state taxes vs HYSA now but will look into it more.

Ahamadrayasbaboon

If you need the entire principle to be available within a week, SGOV or other T-bill ETF. Everything else is subject to fluctuations. I wouldn't concern myself too much with tax because you won't make enough money to notice in your tax bill. It's more tax efficient than a HYSA. If you don't, broad market ETFs that don't select their basket of stocks to optimize for dividends outperform dividend ETFs in total returns, and are more tax efficient on a year or longer timeline. This is because even though dividends are often taxed at long-term capital gains rates, a large percentage of the dividends in most dividend ETFs get short-term tax treatment. The difference doesn't matter nearly as much as the fact most of them underperform the market, though. You'll get a 1099 for any of this, which is kinda like a W2, but for investments.

IndependentTrouble62

SGOV it better than SCHD right now. Significantly less downside potential, higher yield, and tax advantaged.

McKnuckle_Brewery

Forget CDs. Use a Treasury ETF in your brokerage account (SGOV, TBIL, USFR). Best compromise between yield and liquidity, not to mention exempt from state tax.

LostandConfused2024

Right now, I’m thinking SGOV. I made a personal declaration to myself that I’d stop after hitting 150k (enough for my student loans). Just have to thank my lucky stars that I did it

PardoningTurkeys

Pack your bags and head to the philippines and get a hot young wife there 😂 i could live 15 years on $300k, with interest you could probably retire just buying $SGOV getting 5% American women are trash

magic-grits

Same, here and in other subs. I was downvoted to oblivion when I said there’s no more off ramp 3 weeks ago. I also said ground invasion is likely and will end terribly, and that we might see $200/barrel by the end of April. We’ll see if it actually gets that bad. I sold everything 3 weeks ago. I left the money in fidelity sitting in SGOV since then. This morning I put it all in GLDM, PDBC, BWET, and XOP. These were always my safety picks but everything was way too volatile the past few weeks. However, I think we are getting past the point where trump can lie in a tweet and convince markets nothing is wrong. Reality is setting in. Now is the time to rotate into your safety/hedge securities.

Slippery-1212

where the SGOV gang at?

Molten-Helldiver

KO and Chill or SGOV and Chill is the real question.

No_Alternative_6206

Everyone wants to make more money, just because you have a sense of urgency doesn’t mean it’s going to work out with a more aggressive strategy since you will more likely end up losing a ton of it and get burned out on investing. Invest in SGOV and once the war calms down put 50% in VOO and 50% in VEA. If you want something you don’t have to manage just buy a vanguard target day fund which does the work for you. If you want something more aggressive buy a fund with a target year way out there.

Hungry-Brain-3287

Ya, I was looking at SCHP and SGOV... they seem like they get the least wrecked. It's like that now

FantasticInvestor

That’s right. 2025 is 99.99 so no difference at all. SGOV is more consistent.

Bigamungus

SGOV/Bonds etc

CuriousCat511

VUSXX varies year to year, typically 80-100% tax exempt. SGOV maintains closer to 100%.

Ahamadrayasbaboon

Bonds can mean multiple things.  Corporate bonds trade on the market (and have ETFs) with a lot of correlation to stocks, but with less upside.  Gov’t bonds come in all sorts of varieties with their own risks, rewards, and opportunity costs. Like the other dude said, the secondary market value fluctuations don’t matter if you hold to maturity.  T-Bills and their ETFs like SGOV, are rock solid, but just barely beat inflation or a high-yield savings account. They are “risk free” though, to the same degree as a savings account. 

greytoc

Just to elaborate on what u/SirGlass said - for the vast majority of people - it doesn't make any difference on when you buy/sell SGOV. SGOV is effectively a cash equivalent - so it's going to track the current short-term risk-free rate minus whatever premium, expenses, etc. that is inherent in an exchange traded treasury fund. If your goal in timing the buy/sell of SGOV - you are either going to be paying taxes in dividends or cap gains.

FantasticInvestor

I’d go with VUSXX. It is simpler and no need to worry about wash sale at all. If you buy SGOV then sell it later with a loss and have some extra money and buy it again within 30 days, wash sale kicks in and makes it more complicated when filing tax return.

FantasticInvestor

Regarding state tax: SGOV and VUSXX are the same

l12

He said he has it all in SGOV. SGOV is the same as a savings account.