SGOV

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.

IndependentTrouble62

Depends on if he has multiple accounts. In my 401k I have made no changes and continue to DCA. In my personal brokerage that is for generating return on my savings I went full cash before Trump did anything super stupid. Sitting in SGOV. Different accounts have differenet functions and different risk tolerance.

deadfishlog

Went SGOV one month ago. I play sector rotation as is prudent. Haven't had a down week yet.

magic-grits

I did the same but a few weeks into january. It had started to dip some by then but definitely nothing like the past 2 months. Nothing wrong with locking in profits and sitting on the sidelines during times like this. Im letting it sit in SGOV for now. No signs of a reversal in the near future.

HG_Tannhaus_

Went to 100% SGOV / Putnam Stable when US attacked Iran. I think the market is overly optimistic about this whole thing and will stay there awhile. Looking for end of hostilities or 20% decline.

winedogsafari

This is all starting to feel like 2008 all over again. I’m back to everything in PULS and SGOV until there is real clarity vs. trading by Truth posts by POTUS

itpaystohavepals

Or just pile into SGOV until you feel semi confident that we're close to a bottom

TJMBeav

Wait until the Iran excursion is resolved to a greater certainty than now. Sure, you might miss a 5% move up but you could easily avoid a 10% drop. I would not advise someone close to me to buy anything but $SGOV in this environment

fallingdowndizzyvr

> VUSXX has the best liquidity just because it is a money market fund. However, most people use SGOV SGOV by far has the best liquidity. I used to put money into VUSXX and it's bro but I've been slowly selling that and getting SGOV instead. Since if I need money to buy a stock, if it's in VUSXX I have to wait until the next day. By that time the opportunity might be gone. With SGOV I can sell it right away and then have the funds to buy a stock right away. That's liquidity.

TJMBeav

I do think you can play this very safe y parking cash in $SGOV and waiting till a bottom is confirmed. Give up a bit of the upside by waiting but eliminates the risk of being early. It takes a decade to recapture new highs after a severe pullback. No need to guess. Wait for confirmation

jjha66

If I have to liquidate SGOV, the best time is to sell right after the monthly distribution? Thanks.

jjha66

If I have to liquidate SGOV, the best time is to sell right after the monthly distribution? Thanks.

HolaMolaBola

SGOV is a teensy bit less expensive for many people. Trading spreads between SGOV & VBIL are close but VBIL carries a higher premium paid on each trade. previous reply to someone else: [https://www.reddit.com/r/ETFs/comments/1rqz6ml/comment/o9vx5hc/?context=3](https://www.reddit.com/r/ETFs/comments/1rqz6ml/comment/o9vx5hc/?context=3)

Dstein99

The private equity issues aren’t even illiquidities. My understanding is investors agreed to put their money in illiquid investments, private equity funds can provide the liquidity but contractually aren’t required to, I believe they have been providing more withdraws than they’re legally required to and are well funded to cover those requests, but it’s not that they can’t redeem requests, they just aren’t required to. All Blackrock funds are in separate accounts and Blackrock can not legally commingle their SGOV funds with any other funds. If their private equity funds lose value they’re more likely to dissolve the fund than to use SGOV funds in anyway. I use SGOV and Schwab’s Money Market (SWVXX) but this isn’t a T Bill fund. The difference between SGOV and VUSXX to me is more Mutual Fund vs ETF. The yield difference is .09% 3.54% vs 3.63% which is $9 for every $10,000 per year. Frankly it doesn’t matter, just pick one I would go with if you prefer to have an etf or mutual funds, but I wouldn’t take into account a .09% difference in yield when this number changes.

greytoc

Your worry about Blackrock is inconsequential. SGOV is an ETF and all ETFs are structured so that if the investment manager fails - it doesn't impact the fund investment. As for the differences - you have to look at the duration of the fund. All three of the funds that you mentioned as effectively the same as ultra-short duration treasury funds. Usually, someone investing in cash and the interest rate markets is going to look at the duration based on their interest rate thesis. Regarding your comment about liquidity - while a mmf is required to have liquidity requirements - both SGOV and VBIL are open-ended ETFs and they have the exact same liquidity profile. Re: cap - gains - one advantage of a MMF is that there are no cap gains and wash sale rules don't apply. One advantage of ETF's is that there is no 30 day restriction on marginability.

Electronic_Bee3134

Fair enough, if I didn't have fractional shares enabled, then that would be a very different case. It's surprising though that there are still brokers that don't offer fractional shares on US equities. I have IBKR and Ally Invest, though the latter just acts as an augmented savings account for my Ally account (all in SGOV). Interactive Brokers offers fractional shares. Ally doesn't, so for Ally I specifically do have DRIP on to maximize my SGOV holdings.

CuriousCat511

SGOV is an ETF, so you can buy and sell immediately during market hours, whereas VUSXX is a mutual funds that can only trade once per day after the market closes. For that reason, I think SGOV actually has better liquidity. As for the capital gains, it's a non-issue because short term capital gains are taxed at the same rate as dividends/interest.

sarvaga

CDs and SGOV.

Sirknowit

Down 7.5% since this foray began. I made some adjustments to prepare for any storms ahead. About 27% between SGOV/VBTIX. The rest in US and International ETFs. Should get me through. Not touching (besides a few Roth Conversions) for 15-20 years.

Putrid_Pollution3455

Oh my god. No. If anything start beefing up your emergency fund until you can sleep at night. I use short term treasury fund USFR but BIL and SGOV are popular too.

CraneEternal

I’d like to chime in right about now and say there comes a point in your life where perhaps you’re a senior person and you no longer appreciate the volatility of the market and perhaps you don’t enjoy seeing your portfolio changing by your annual salary in a single day. People constantly talk about buying at a discount when in a market down trend, but what are you doing when you’re no longer interested in buying at all and you’re interested in retiring? It’s perfectly acceptable to recognise when there is a bad government administration and that its policies are negatively affecting the value of your portfolio for the long-term. In a situation like this I recommend selling the assets that you believe are most prone to volatility and exchanging them for government bond ETFs such as SGOV. Expect tiny NAV changes (~0.1–0.3%) at most, however, with any federal reserve rate cuts your income declines over time even if principal stays stable. However, in a declining global economy the silver lining may be that your principal gets a chance to stay relatively the same while you do receive some income monthly even if it’s only 3.75% to 4%.

Natural_Note5282

SGOV isn’t 100% treasuries and your brokerage likely won’t give a separate line item for tax exempt dividends. Makes it a little more hassle to do your taxes. If you buy straight from the feds at treasury direct, you don’t have to worry about this. That said, you can get better rates with some HYSA than you can get for t bills even with the tax break. My HYSA interest is taxed at 9.3% in CA. My HYSA with 4.1% beats my t bills at 3.7%, but only slightly. Do the math and see if it’s worth it.

Homefree_4eva

Which is roughly the same return you’d have had in SGOV.

kinkycarbon

If anything, Everyone’s money in an index fund has controlled losses versus purely equities. I got cash in SGOV ready to go on this sale. I’m still contributing money my 401K and Roth. Everything is a a discount. Until the economy crashes into the 2nd Great Depression. I will continue to contribute to the 401K and Roth.

Yvese

Stick it in a HYSA, SGOV, or a Fidelity CMA.

Yvese

Pretty much what I'm doing. Monthly dividends, immune to market volatility and can easily liquidate if/when you want to buy back in. Anyone letting their cash sit is doing it wrong. Park it in SGOV or if you're really lazy and have Fidelity, their CMA is fine too.

Yvese

Any reason why you wouldn't just put it all in a fund like SGOV? You'd at least get money back monthly for parking cash and can easily sell if/when it's time to buy back in.

chfr

The simplest thing to do is to dollar cost average in. Don't dump all 200k in at once - pick a period of time (ex: 6 months) and do weekly deposits. The full 200k should sit in a treasury bill fund like SGOV to maximize your interest rate prior to putting money in the market. For such a large windfall, I'd probably recommend taking something like 10% and letting it chill in bonds in case shit really hits the fan.

No-Dust-1722

SGOV gonna be my top performer for April I can already tell

oxcart77

Put the cash into SGOV.

groceriesN1trip

I went full port into SGOV two weeks ago because this shit is crackamania

dogefool88

My story: 2026 started with a loss on AAPL calls and that gave me good sense. Put 100% cash in SGOV, asked Schwab to allow me level 4 (level 3 in Schwab) options with margin and started selling options. Not a single day in red for last 3 months

Galactic_Barbacoa

VG, BRKB, WM, SGOV. When we enter correction territory I’ll buy more and maybe some Coca Cola. When markets hit 20% down I’ll snap up some more and maybe gamble on Microsoft.

ArcDogRob

Hello SGOV my old friend, I’ve come to park money into you again

StraitOfHummus

Maybe throw into SGOV until you feel the bottom is in.

Level_Counter3062

And they laughed when I went SGOV in Feb lmao

Dstein99

Fisher Investments found in a study done in 2017 that there is about a 47% chance of your portfolio being down any given day, around a 37% chance of it being down any given month, and about a 25% chance of it being down any given year. The market is down 47% of the time, it isn’t healthy if your emotions hinge on whether the market is up or down. If you’re can’t go a day without looking at your performance you’re invested too aggressively and there is nothing wrong with not being 100% aggressive guns blazing. Someone invested in something like SGOV doesn’t care what the WSJ says, has no worrying about the market, and has outperformed the market by around 7.5% YTD. What good does it do to worry about something you can’t control?

newtownkid

SGOV? I've got quite a bit of that. A nice safe place to chill.

Practical_Rip_953

I am typically a DCA kind of guy and think timing the market is a losing game but I sold everything and bought SGOV right after we started bombing Iran. I think there is still a lot of pain ahead but desperately hope that I’m wrong.

SomePolack

Projected inflation for the year already over 4%  Even in SGOV you’ll still lose money this year FUCK 

FistEnergy

Up 1% for the year. Sold everything except BRK.B the first week of March and put it in SGOV. Timing the market doesn't work for individual stocks because you can't accurately predict what will happen without insider information because you don't know enough material information to make a good bet. Timing the market absolutely works with global events with understood effects and consequences. It worked fabulously for me at the beginning of COVID, when I understood what was going to happen, and I was downvoted for my convictions. It happened again this month, and once again I was correct. Do not confuse "you can't time the market" with "you can't make money by paing attention to the outside world".

TheGeoGod

Short term bonds like SGOV

EmbarrassedPart1256

I’m just waiting for $EONR to announce an offering to finance their growth & once that settles I’ll gladly enter; I want at least 100k shares. Also waiting on $ITP’s ER. Any sign of a turnaround in their numbers & I’d buy 100k shares there too. Just holding $CAPS (super bullish) & $CTM (retail fakeout? Massive breakout? It almost feels like they’ve intentionally been radio silence for so long) & a big bag of cash for now; my $SGOV shares are seeing gains 🥲. It’s hard watching so many stocks pop off day after day, I’m just not in a place to take huge risks anymore. Remember that what goes up can come down, to take profits, even if you believe in the stock long-term. I learned it the hard way & hope you don’t have to. Also remember that the person calling out a stock on here could hold 100 share of said stock. I truly hold 250k shares of $CAPS & am beyond convicted.

Awkward_Ad_5102

SGOV and chill

MelonBeefChop

Is it time for full port SGOV & chill

sattlerreader

Interesting. SGOV would be the only duplicate investment in both accounts. I will keep that in mind though in the future. Thank you.

groceriesN1trip

I went 95% SGOV two weeks ago. Trump is a madman and shits going down 

Alone-Razzmatazz9309

Anyone in all cash is likely new to stocks, maybe slightly uninformed. I have about 80% of my portfolio in SGOV right now. Right around 200 shares

LostandConfused2024

Thanks man, I appreciate the insight advice, and the acknowledgement and a plan. I was reflecting on it today, and I was just like it doesn’t even feel real that I have 100k now, it feels like numbers in a video game. Your entire analysis is spot-on, and quite frankly, I think it’s something I’m going to roll with. Right now I just put my money in SGOV, because I need to chill out and bring myself to reality. Making 60k in one day without seeing it physically is some shit. Again, thanks for taking the time to talk to me. No empty platitudes here; I mean it. Good luck trading man!

citybreeze83

interest rates up bonds down. Except for SGOV because it has almost no duration risk

GoldenAries4

I think it’s shaping up to be an SGOV or HySA year instead of a SPY year for long term portfolios. Inflation is increasing, fed might get hawkish, and yields will go up. Made the switch today 🎉

GoldenAries4

SGOV is looking so cozy this weekend.

StraitOfHummus

> SGOV Low key treasuries about to go up and have been rising so this is not a bad spot.

LostandConfused2024

Deleted the Robinhood app after putting all my money into SGOV. Time to chill for a few months to see how things play out

jgoldston_0

My 457b is all in… with bi-weekly contributions immediately invested, always. My personal brokerage is 50% SGOV. Couple months ago folks would tell me I’m missing out. Looking like a good plan as of today.

Livueta_Zakalwe

SGOV

MaybeTheDoctor

No emergency requires cash the very same day. Keeping your emergency fund in SGOV or Money Market Fund at 4%’ish only delays the withdrawal by a few days.

Dracomies

SGOV is what I'm doing

thermoDYNAMIC7

SGOV ftw

mw4365

1st thought - I see no less than a few almost exact posts everyday and I understand the stress of losing out on retirement/money/etc but do the people making these posts browse through all other ones and decide they just want more of the same dialogue and discourse? 2nd thought - the money I have in investing in the market right now is money I hope to live long enough to see/use in 20-23 years. That was my why, thats the plan, me fucking around with it and moving it around every time there's a bear or bear-ish market is how people get wrecked and lose out on gains. Fortunately the situation I've landed in I happen to have a good deal of cash as I'm deciding on whether I want to buy a house or if whether I wanna hold on to some cash(in a CD, probably, SGOV won't help me as much in a no income tax state anyways) bc cash feels good in a real icky world and I have my short term and long term money sorted out and it it's buckets. perhaps a good experiment for you would be to watch the market daily for a longer time than you have, you described...the stock market, particularly the past couple years. There are plenty of 1-2% green days. There are a bunch of .5-2% red days. Really! almost every week. Surely more red than green lately but if you're investing for what most of us would say is the right reason...you're just getting things on sale right now.

Ancient-Bat8274

So…buy SGOV and CDs?

No_Fig_7835

At least I can count on SGOV being green :\*)

BreakfastLeft55

Yes. SGOV is an ETF, so can be sold any time of day, not just end of day like SNSXX. Though it still has to settle before you transfer. In practice not very different.