SGOV

Mcslapchop

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.

straight_croissant

SGOV

amoorefan2

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.

GelatinGhost

I think most money is just going to short term US treasuries aka SGOV. Even longer term bonds are down.

kirlandwater

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

RichardFlower7

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.

RichardFlower7

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.

_galaga_

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.

Hunter1127

Still holding my SGOV stash tight for now 

Independent_Drop4317

Sold quarter of my SGOV to buy some dips today.

Heyhayheigh

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.

DrakeJStone

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(?).

paq12x

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.

Cute_Win_4651

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

AdhesivenessCivil581

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.

Heyhayheigh

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!

orsomeshitidk

SGOV lmao

Heyhayheigh

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?

Key_Lifeguard_8659

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.

TJMBeav

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

kitehousecyprus

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.

LostandConfused2024

Bruh the fact someone is tryna sell 9 million dollars worth of SGOV rn lmao

evewaaaa

Why is SGOV down .25%

LostandConfused2024

Fuck i can’t sell my SGOV position until market open

Heyhayheigh

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.

DKeai

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.

Heyhayheigh

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!!

Heyhayheigh

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 🤷‍♂️

RedElmo65

SGOV

imacyco

Serious answer: SGOV

Heyhayheigh

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!

StanIeyDruckenmiller

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.

StanIeyDruckenmiller

As if I’m going to listen to someone who was asking if SGOV counts as bond holdings 93 days ago.

deadfishlog

SGOV for the ex div Market has to sort through its shit

Hot-Yam-444

+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

MiddleMysterious459

Buy SGOV and chill!

crackanape

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?

MagicJuggler

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.

LostandConfused2024

Portfolio is up 28% YTD. Would i be crazy to SGOV and chill for a couple months to see how things shake out

heynowbeech

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.

TinyAdhesiveness5773

SGOV outperformed me this week

MarcosEsquandolas

Not who you replied to, but SGOV is what I use. TBIL is another. 

MutaliskGluon

taking a break from anything other than TLT and SGOV. Managing emotions >> chasing

Gladiz1972

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

ATUGA

5 months where parking my cash in SGOV would have made more money? Oh brother…

DrScitt

I am about 85% invested. Then 7% SGOV and 8% in my bank account.

AffectionateLeek5854

USFR/SGOV. Better rate than MMF , almost 0 state or local taxes on gain , almost 0% risk.

MagicJuggler

I have been experimenting with wheeling on companies I want to own. I like companies with reasonable dividends, low valuation, and outside the spotlight of being chased. Anytime I realize enough profit on a company, I use it to buy one share on the house. Until then, I park shares in BIL or SGOV until assignment; otherwise my port is basically "oops, all TLT"

pmonko1

I park most of my rainy day fund in SGOV. If VOO or VGT drops 20% like it did last April, I sell SGOV and buy index funds. Sell a bit of the funds (long term gains) when you need the cash for a new roof or car.

OhBenjaminFranklin

I was shocked when I discovered SGOV has options. Most pointless options ever, lol.

BagHoldersOfAmerica

Calls on SGOV

partypantsdiscorock

I mean depending on account size, it can make a difference over the long term. But personally I keep a few months in HYSA at 3.3%, some in SGOV at a little higher rate, and some in higher interest securities.

AnselmoHatesFascists

Understand the caution but why 3.3%? Even SGOV pays 4% and has no state tax implications.

partypantsdiscorock

SGOV is about 3.6% so there are better places to hold money that 3.3%. I also have some cash in VCIT that earns \~4.75%, or TLT earns \~4.65%. There are lots of market options for different time frames...

mindmelder23

SGOV says 4.09% Yield is that not correct? You can try VUSB too it’s 4.61% yield it’s Vanguard Ultra-Short Bonds but it went down 3% once.

zrzhu111

yes, Dividend was paid as cash which pays the margin. so i have to repurchase SGOV for the same amount dividend received using the margin. Hope this makes sense.

Juggernaut4013

Hopefully only about 60% of my 401k. I moved 40% to short term bonds as I anticipated a market correction and will move it back when it corrects. Worst case I'd be wrong, but I would still have made money through investments and 60% of my 401k. Not sure if this is stupid or not though. I'm no expert. I don't know how short term bonds will react during GFC like times. And when I say short term, I only bought into SGOV.

nimbleVaguerant

I'd at least put the money into a treasure bond ETF like SGOV while you figure out what you want. You'll avoid state and local income taxes and usually get a better return.

iisconfused247

SGOV

Happy_Discussion_536

u/Gom_KBull How do clowns like you have no shame at all? Just saying the same... stupid... nonsense day in and day out, wrong again and again. Just show up the next day with more bullshit and lies. >you do know that holding SPY shares for the past 4 months is essentially the same as stuffing cash under your mattress right? Even when cherry-picking dates you're a retard. 10/25/2025 - 02/25/2026 close to close. VOO - 3.55% return, annualized rate 11.03%. SGOV - 1.27% return, annualized rate 3.86%. u/BarbellPadawan as well

Reasonable-Desk3273

At your stage, it’s less about squeezing an extra 0.2–0.3% and more about matching the tool to the goal. If this is true emergency cash, a HYSA or a brokerage money market is perfectly fine and keeps things simple. SGOV is solid too, just slightly more moving parts. I’d focus on liquidity and consistency first — optimizing yield comes after you’ve built the habit and the cushion.

Virtual_Secretary_98

Might be a stupid question but how do returns work on SGOV? Do you just get annual "dividends"?

Heyhayheigh

Just use SGOV for emergency cash and known large expenses in less than a year. After that just buy VOO on an auto weekly basis for as much as you can handle. Sell ONLY when there is an urgent expense to pay for. If you find yourself selling for other reasons, find a trustworthy pro to help guide you through it. That’s all personal finance is: spend less, invest more auto, don’t panic sell. You will learn more things, Roth, maybe Nasdaq, some may 7 you have convictions on. But it all grows on the foundation of buy auto and don’t panic sell. Best of luck!!

Heyhayheigh

SGOV instead of HYSA. You’re off to a great start!!

NorthvilleGolf

If this is real, OP should take his winnings and go into something like 50% AOM, 10% SGOV, 20% SCHD, 20% SCHY and call it a day.

Sunny-Olaf

30% MSFT, Meta, GOOG 60% SMH, NVDA, MU, TSMC 5% GLD 5% SGOV

I_like_code

I sell NVDA puts and buy SCHG or SGOV with the premiums. I also have long positions in NVDA and MSFT. Either AI makes me rich or I’m working at Wendy’s.

Heyhayheigh

Open a Fidelity account. Get rid of SCHD and gold. Split it up into weekly instead of monthly. Sell only when you have something urgent to pay for. Work to increase the weekly amount. There is nothing wrong picking some stocks you like as long as you do it automatically and don’t panic sell. You will eventually learn to just increase the VOO, just makes life easier. But I do the same with some of those stocks you list. It’s fun. SGOV for emergency fund and large known expenses. Keep life simple.

Deadsea3132

As soon as I break even on BAG7 I’m shifting all of my money into SGOV fuck these shit stocks

Heyhayheigh

The max is normally less than 250 AND the interest the term pays you. Depending on what state you’re in, SGOV is likely better and easier. Use a place that supports fractionals. Best of luck.

EnCroissantEndgame

Except that, if you collected starting at 62, by 70 you will have $136.7k base assets to start from that the 70 year old **does not have**. The 70 year old **starts from zero**. This is a gigantic disadvantage to the person waiting until 70, because check this: If you let those lower $1424 payments just keep accumulating into a Cash Management Account at Fidelity that automatically holds the money in a way that is completely liquid for the owner (with autoredemptions when withdrawn or spent) it will be invested in SPAXX collecting coupons on short term government treasuries, AKA close to the "risk free rate" (at least for now while American debt is considered risk free) you'll earn whatever the current Fed funds rate is minus a quarter point for the convenience being fully liquid; or if you want the full yield of government treasuries you can have them deposited into a vanilla brokerage anywhere (Schwab, Vanguard, Fidelity etc.) (or even use the aforementioned CMA) where you can create auto-investment rules to automatically buy as many shares as possible of SGOV or something similar to get close to the full Fed funds rate each month and then also have those dividends for the coupon payments re-invested. We don't know ow what the fed funds rate will be next year let alone 5 or 8 years forward, but we know it's probably going to be between 0% and 10%, with a great deal of that probability density likely hanging between 1% and 5% to fulfill the Fed mandate on employment and inflation. Right now its 3.66%, lets just make it simple and make an educated guess that the average rate over that period is about 3% yearly, roughly 0.25% per month. So you can compute the total return for each months worth of investment as a mathematical series summing up the compounding return for each months return over `n` months with a growth (return) rate of `r` where `1+r` is the factor by which the individual deposits of `x` currency units grow (or decay if `r` is negative) each month. It contains `n` separate terms in the sum computing each return as a lump sum deposit left to grow on its own for each month. If you simplify that expression, we can write in in the form: T = x \[(1+r)^(n) \- 1\] / r Just notice for this simplified expression r=0 results in 0 divided by zero which is indeterminate but it turns out that the left and right side limits as r approaches zero yield a limit of T = x \* n and for n=96, x=1424, that would be exactly the $136.7k figure prior if we have zero growth. But we won't likely have zero growth, in specifically in the case that the CAGR for the 8 years works out to 0.25% per month, T = 1424 \* (1.0025^(96) \- 1) / 0.0025 = $154286.68, so over that time period we've actually earned $17.6k without taking any risk just holding 4 week treasuries when getting to 70 years old. So your figure of \~40k is already missing $17.6k which still has another 20 years to grow. In reality there's no need to be in such an ultraconservative allocation as only short term treasuries. A 60/40 US stocks / US bonds allocation is pretty standard retirement portfolio that keeps most of the driver of portfolio growth while smoothing out risk from crashes, at least traditionally, and it has one of the best risk adjusted returns easily implementable by average people. In the [past 150 years the 60/40 portfolio](https://www.morningstar.com/economy/6040-portfolio-150-year-markets-stress-test) has had 11 bear markets and has performed much better during those periods than the 100% equity portfolio while delivering a way better return than a full bond portfolio (bonds undergo bear markets infrequently compared to stocks so they are generally considered "safer" we we only care about retaining nominal purchasing power). Over that 150 year period $1 invested in a 60/40 portfolio grew -- in real terms -- by 440,700% to $4408, much less than the 3,551,700% growth ($1 becoming $35518) in a 100% equity portfolio. If we take the 150th root of the first percentage, we get the CAGR of the 60/40 portfolio 1.0575 or 5.75% annualized, which is great for a nominal rate let alone a real rate for the downside protection. The 100% equity will return is a CAGR of 1.0723, or 7.23% annualized. So using the expression for T I showed earlier, we convert the annualized return to a monthly return: 1.0575\^(1/12)=1.00467, 0.467% per month. We have a fairly safe way to earn 5.75 real return and get 1424\*\[(1.00467)\^96-1\] / 0.00467=$172k. In 8 years we've generated 75 months worth of the higher payments we'd get by waiting until 70, while simultaneously starting 70 with $172k more wealth than we'd have if we waited. Do you see objectively how you can never make an argument to wait unless you're so bad with money that you know you're going to gamble it all on horse races and buy drugs with it?

Heyhayheigh

If you’re going to do yourself, SGOV and BND for whatever suitable bond portion for your risk profile. You’re already in broad index. Just remember to only sell when you have something urgent to pay for.

Heyhayheigh

Is this a taxable account? Just sp500 on auto weekly basis. Sell only when you have something urgent to pay for. Skip seeking dividends, you’re just paying taxes on income for nothing. SPY is for options, use VOO (or other low cost etf) for buy and hold. SGOV for any short term cash, emergency funds and large known expenses. DCA sp500 for a long time live through some bear markets. Then learn and try different things. Nothing wrong with QQQM VUG in a Roth. Diversification is for stability, that lowers risk. Things that lower risk generally lower return. So if you think there is some magic diversification that will give you better returns, that’s like thinking a safe minivan is going to yep you beat a sports car in a race: not how it works. Best of luck!

Heyhayheigh

They could have been 50/50 and would have likely panic sold like everyone else anyways. It is very hard to talk people off the ledge and 2008 was very different to more recent downturns. I realize this likely won’t give you solace. A portfolio can be 70/30 for people their age because they likely kept a lot of cash on the side, outside of the portfolio (it actually saves clients money on management fee). A retired couple will keep 3 years emergency in money market or SGOV or something instead of keeping all in a managed account being charged 1%. I’ve never seen someone NOT panic sell JUST because they were already conservative. Conservative moderate aggressive, the panic sets in: they flee to CD’s all the same. We tell them, but at the end of the day it is their money. We note the reco and interaction, document, sell out and move on. We have no choice.

Pure-Marketing-4236

SGOV chart is funny. Haha a mountain range.

Vig_Newtons

Given your age and broad goals, i would significantly decrease the CD you have especially with how low the yield is. Replace that with VSDM or SGOV if you really want a safe haven for short term.

pineapplekiwipen

collecting yields on SGOV 🫷 Betting on Jesus not returning by 2027 for free 3.7c 👌

pineapplekiwipen

collecting yields on SGOV 🫷 Betting on Jesus not returning by 2027 for free 3.7c 👌

NH_trader

There is a misunderstanding (understandably) regarding the amount of collateral that was required by Schwab for that NBIS trade. It was only $1250. I did the trade because the annualized return (ROC) at that collateral was 632%.... not something to sneeze at. I restrict my trades to returning 40% or more annualized. FWIW, yesterday I opened another NBIS for March 20 for 450% annualized..... The big problem I have is managing the trades without becoming greedy.... there is no free lunch... you have to pay attention..... fortunately for risk control, the broker limits the amount of buying power I have. In fairness, I have portfolio margin authorization at Schwab which lowers my collateral requirements, however they can change quickly, so I watch them closely. If you operate with Reg-T margin (a normal account), the collateral is about 20% of price less premiums.... so use that as your guide for analysis computations. I also keep the unused cash in SGOV shares that pay about 3.5% annualized.

Heyhayheigh

It’s probably just a low priced security which requires a phone call to trade. Or it could have gone bankrupt. Open a Fidelity account and have them explain it to you. Chase is a trash broker. Only reason to ever use them is for SGOV of emergency fund assuming you bank with Chase. If you don’t bank with Chase and the instant transfers are not a convenience: literally zero reason to use them.

AdhesivenessCivil581

You can just buy SPY or VOO. They are index funds for the S&P. You might want to buy a % of bonds just to keep the account liquid. SGOV is a short term government bonds ETF that pays about 4% interest. I've been buying that when I have extra cash. The price is very stable. You can set these up to reinvest dividends. Then you'll be set up for now and can see if you develop an interest or not. Tesla is very over valued. The price is always based on some future value and frankly Elon is a bit loopy these days. You won't owe tax if it's an inheritance so now is a good time to sell.

Heyhayheigh

Advisors are the experts. Talk to several. Open a Fidelity account. Put it in SGOV (tbill etf, super safe) while you figure it out. Ask friends and family for referral. Trust is the most importantly thing. Trust is more important than competence honestly (if it is a large firm they have guardrails in place). Talk to the Fidelity advisors on the phone. That is a good place to start. Inheritance is the hardest part. It is normally too much money to just learn as you go, and your mistakes will be more costly than a trusted advisors fees. Know that like most jobs, most people are mediocre at their job, this is extra true for advisors. Most suck. Be aware of that, don’t be surprised if you have to change a couple of times for a good fit.

strychninex

you are down 10 ish percent on your position, have you considered a savings account or SGOV? Because if you cant take that volatility the stock market isn't going to work out well for you.

DuePomegranate

No, there are passive income investment strategies that dish out the payouts for you. "Letting it grow" means it's not passive income, but instead capital accumulation. A dividends portfolio, bonds portfolio, SGOV, CD ladder, Yieldmax Income ETFs etc are all passive income. Just that the total returns are typically worse than a generic index fund like VOO. So if you're not in a stage of life where you need those payouts to live on, don't go for "passive income".

vcpowerlaw

You didn’t mess up, you just stacked accounts without deciding the order. SPAXX and SGOV are basically cash equivalents so that Fidelity account is already acting like a high yield savings. Match first, kill high interest debt, lock in your emergency fund, then max tax advantaged accounts before taxable. Once that order is sorted you’ll feel clearer.

AlGAdams

Selling some MU today and putting in SGOV 🐻🌈

Heyhayheigh

Nooo. Not in Roth. Real, growth oriented investing is meant for Roth. VOO QQQM VUG, even mag 7 that you hold personal convictions in. SGOV is what you use instead of HYSA or CD’s. For emergency funds or large known expenses (think dental work or roof repair or large known vacation). You spend from there.

Crazy-Cat-Lad

Is SGOV good in a Roth or doesn't matter?

Heyhayheigh

I hear you man. And listen, this is no insult. No shade. I did the same thing as you: bought dividend plays. But then I learned better. I’m trying to help you along faster than I did. Read my old comments. It is the same stuff over and over. Spend less than you earn. Have emergency fund in SGOV. Buy VOO auto and weekly. Sell only when there is an urgent expense to pay for. Do that forever. I would prefer you do dividend over nothing. Sure. But you could do better. Keep the auto weekly. Just switch to VOO. Don’t sell your dividend plays. Watch how they behave compared to the VOO. You will get it with time.

Heyhayheigh

You should google “dividends are not free money”. You will have slower growth in dividend plays and you will pay needless taxes in taxable account. Instead of HYSA do an auto buy for SGOV in brokerage account. Being a sole provider is more reason to invest correctly. You’re sacrificing wealth building for “feeling rewarding”, you just don’t realize it. Best of luck either way.

WolfEither3948

There are key levels to watch in the 10 & 30yr. When the US threatened to confiscate Greenland (by force) the 30yr hit 4.95% before pulling back. How to position? Long short term US treasuries like SGOV while reducing exposure/shorting the long end TLT (20 yr).

DesignerSea494

Yep. I’ll go leveraged SPY when UPRO hits $50. Not a penny sooner. SGOV ftw until then.

NothingInfinite4690

Looking to invest recently inherited $380k. I want to protect money, have potential for growth with market, but want to hedge against AI bubble and valuation risks. Please rate my portfolio $110k Berkshire Hathaway $80k SCHD $50k VT $100k SGOV $40k XOM

DoopDaLoot

So you want a get rich quick scheme? Or do you want to stop the bleeding? Buy VOO+SGOV and put a set amount in every month.

Hismadnessty

Do yourself a favor and set aside those cap gains taxes now. Put them in a HYSA or $SGOV until next year. Congrats on the win 🤜💥🤛

Current-Function-729

Bro shorted SGOV.

TDn6I

My bonds are split between SGOV and BND so part of mine is also a short term/emergency savings vehicle.

Kwhip

I'm a big fan of the company. All their products (Brokerage, CC, bank account, IRA etc) are excellent. I cannot believe everyone is not using the RH, even if for just the 3% IRA match, 3% CC, 1000 free margin (invest in SGOV for free money)... It's like we know this secret. This RVI fund sounds cool and the future robinhood social sounds awesome - can't wait to check out REAL trades from people, not trust me bro on reddit. Social is going to be a huge hit. I'm honestly suprised that HOOD does not get more support from us dumb-money retail crowd. They made the commission free trading happen which opened investing up to everyone. I mean my retarded 18 year old nephew has a RH account and trades. When else in the past 40 years has this ever been the case. I would have loved trading to be this acessible when i was 18 to learn about investing. Did they stop the buy button during GME deal? Yes, but other brokers did too. The exchange company ran out of money... I think it's time for us all to move on from this. Honestly i think we should all support RH - they will keep pushing the envelope and disrupt as much of the "old guard" as possible. I love it, screw Vanguard, Fidelty etc, i'm routing for the up and comer.

dami_starfruit

Stocks are not low risk, if you want low risk you need to look into bonds/treasuries or ETF like SGOV. If this is money that you don’t plan on using until retirement, you could look into a target date index fund (TDF) that auto rebalance toward bonds as you age.

Junior-Appointment93

VOO,SPY,QQQ,SCHD,SPYI,QQQI,IDVO,SGOV,O, and CHPY. 10% in each. Growth with VOO,SPY,QQQ,SCHD and IDVO. Income with some growth with SPYI,QQQI and CHPY(as of now no NAV decay at all.)SGOV bond exposure plus it’s extremely safe and pays monthly. O gives you exposure to real estate. Yes there is some overlap but each one does it a bit differently. Something likes this is my ideal portfolio. If I was still in my 20’s and able to invest.