SGOV
iShares 0-3 Month Treasury Bond ETF
Mentions (24Hr)
-43.75% Today
Reddit Posts
Portfolio Review: 3–5 Year Horizon, Moderate Risk
Short term government bonds ETF versus brokerage money market account
Holding SGOV for more than 3 months. I don’t understand a comment.
For those investing in bond ETFs, what do you use besides SGOV?
What would happen to shareholders of an ETF if the company managing it goes bankrupt? Do they become unsecured creditors or something else?
Anyone here mess with REIT stocks? ARR & AGNC specifically
Robinhood - second individual account as reserve transfer question (margin)
SEPT 16TH DD: The Fed gonna mess up your calls (OR) J-Pow’s successor is bringing back the 1980s. Grab your helmets? (co-written by Gemini)
Moving Cash Allocation into Tax Advantaged Accounts instead of After-Tax?
Inherited 32k, not a single clue what to do with it.
This is your daily reminder to always use limit orders, even if you are a buy and hold investor...
All that stress to make less than SGOV
Are bonds/fixed income really required for someone approaching retirement?
21M first-job in CA, USA. Seeking Investment Strategy Review
To all the Loss Porn - CASH GANG holding strong. still waiting for the dip
What do you tell people that are too scared to move out of cash?
For anyone interested in volatility trading, its all in the spread
VOO is $5 billion away from becoming the first ETF to hit $1 trillion
For non-americans: what is the best fixed income asset to build emergency funds?
Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss
Why is everyone so down? Based off these subs, everyone is investing, sooooo
Is there a downside of using CSPs to acquire ETFs I want to hold long term?
Taking gains on a some highly profitable Space stocks
Direct indexing after large capital gain of near 600K
DIY direct indexing for Large capital gains ($450k+)
How do you prioritize contributions to taxable brokerage account vs maxing tax deferred accounts?
Where should I park emergency saving HYSA or SGOV
The mental drag of holding 30% cash right now is getting brutal
Robinhood- looking for best Cash alternative for high tax bracket + high state taxes
Do you expect the PDT rule change to impact you that much?
Is there an app that actually lets you sort symbols in a list by 30-Day SEC Yield?
An exception to ‘Time in the Market beats Timing the Market’
Unsure how to balance risk after maxing retirement accounts
Buy SGOV at end of month and sell it at beginning of next month to collect state tax-exempt interests from capital lose, is that practical?
Can someone help me understand what the hell I’m doing with my cash
Need to move 400k in a high fee 401k to new brokerage account
TQQQ and Gold Strategy using the SPY 200SMA (Three Phase Strategy)
Best options to park cash on High Yield Stable Funds in RH Retirement Accounts
Cash for house down payment: Sell SGOV vs Margin Loan?
The Porcelain Bull: A 35 Indicator Framework for 2026 Correction Probability
The Porcelain Bull: I Built a 35 Indicator Framework and Went 57% Defensive for 2026
Looking to get a second opinion on my investing plan
Using box spreads + SGOV for very low interest rate loans
Mentions
Put your extra money earmarked for your Roth IRA into an ultrashort treasury ETF like VBIL, SGOV, or USFR. You will earn interest/dividends at a respectable rate, and those dividends will be exempt from state and local income tax, if that applies where you live. Ultrashort treasury ETFs don't really gain or lose value, so there will be no capital gains tax or potential value losses to worry about.
SGOV. I think I have 60k or so in there.
Depends on ETFs, if SGOV or the like, likely no tax gain, but check your local tax rules. If you mean other ETFs, such as s&p500, you will have to pay short term capital gain for sure, or even loss money in case stock market drops. I wouldn't choose that route myself.
SGOV and PM are both just about 200K each.
I was looking at SGOV and ended up doing VBIL.
SGOV is easy in and then out of anytime so you aren't locked in like a CD or T bill.
Throw the remainder in SGOV, take a month off away from the market, and come back with a gameplan
There are a lot of options between these two. SGOV is basically HYSA and TLT is too much duration risk. SHY or IEI are options.
Invest every penny into a TLT or SGOV if you are worried about losing money. SGOV if you are paranoid. Not financial advice. This is better then being in cash
SGOV and similar
I’m dipping in 2 years and gonna pull out by the end of the month. SGOV and SCHD from that point forward
Buy something boring like VOO SCHD or even SGOV and nothing else for a few years. Have a milly in no time
I was .10% but started buying again mid day. Sold some SGOV
Just put it 50% in SGOV and 50% in spy and watch your returns be 100% positive. Always winning is better than winning a lot.
Lots of cash, lots of funds like SGOV/SNSXX. Hold your breath until it's over.
This morning I was 100% SGOV. Now I’m 81%
Nope, just you. I took my tech gains weeks ago and put it into RSP, SGOV, and VXUS
One thing to check: the math on this trade is thinner than it looks. $1,000 in SGOV at \~4% earns roughly $40/year, but a Gold subscription costs $60/year - so at exactly $1,000 of margin you're net negative before taxes, and SGOV's dividends are taxed as ordinary income. It only starts making sense with a much larger margin balance (or if you already pay for Gold for other reasons). Also remember the margin has to be repaid if you ever close the account or downgrade, so don't think of it as permanent.
When you hold margin, deposits cover the margin. Then you can buy more sgov. You put in 1k, and your margin went down by 1k. Now buy 1k of SGOV to start your margin back up
You cannot designate what position goes toward the margin. Any extra cash will lower the margin. The way I deal with it is that after I add funds or get paid dividends, I always purchase SGOV to get margin usage back to 1000
I'm done for the week, Wiring all my money out to the bank I don't even trust SGOV today lmao
VIX going wild while my MU shares have been doing an SGOV impression for the past two hours
No shame, I simply sold my GOOG and VOO FOR SGOV, VXUS, RSP, and a tiny tiny bit of QQQM
https://preview.redd.it/btsaf2bl5pvh1.jpeg?width=1320&format=pjpg&auto=webp&s=f6b7278fe9ecf073081c8c581a768dba0828e0c5 Here’s most of it. Other accounts are all VTI. SGOV is partially April taxes.
Proud owner of SGOV . It’s ghey until you realize I would be down 30k in Mstr in less than a week . Bought at 82 and sold at 164 , don’t feel regarded for once
I’m not pulling out cash (or selling assets), but I started to get concerned about an AI bubble about 6 months ago so I paused all automatic purchases of the 6-10 high conviction stocks that I’ve slowly been accumulating positions in and instead put all of those DCA purchases to VOO/VXUS, which is slowly decreasing my allocation towards those stocks. I also upped my monthly automatic purchases of $SGOV which I’ll use as my emergency fund, but I’m about 5 years away from hitting my goal for that fund.
I put 10% of my total account into SGOV, but I didn't do it because of any market winds, it just has a higher interest rate than my HYSA at the moment.
Probably a mix of DGRO, VXUS, and SGOV.
I do 40/25/25/10 split with USDG/SGOV/BOXX/cash. This is the way.
Might as well just buy SGOV and wait for this shit to turn face
Would you consider SGOV a safe place to hold 6 month cushion?
I have consistently parked cash in SGOV precisely because of this.
> If you feeling risky and could handle market crash, you could invest in ETFs. "ETFs" does not mean "stocks." SGOV is an ETF.
my big boy accounts are almost all indexes and was 60% SPY, at close I sold SPY and put 30% in RSP and 30% in SGOV. those accounts have been chopping flat for 6 months despite contributions and I am sick of it, but some of that was my fault. my gambling account was just straight shares but has been losing 5% per day every single fucking day for like 10 trading days. I don't want to paperhand and sell at a 6-month low when I intended to hold for at least a year or several but it is starting to really hurt. I finally cracked and bought puts as a hedge so at least it will stay mostly flat for a few days. I unexpectedly had to buy my wife a new car last week which kind of changed my risk tolerance. woe is me, right? the losses are pennies compared to some of the degenerates here but I am just a middle class schmuck. but your advice was what I was looking for, the emotions are amplified and I don't think options are for me even on a normal day. I need to figure out how to exit or manage these positions over the weekend or something.
My SGOV portfolio did too
You could put it in US treasury notes. Call your brokerage and see if you can set up a treasury ladder or could just put it into $SGOV. I feel like your timeline is short, which influences how risky you can be. You could place a portion in VOO (60k) and 40k in bonds, since yields are around 3-5%. Will at least generate some income for you as a retirement safety net with less risk than a full equity portfolio. All depends on your risk appetite.
Suitability and risk tolerance. How old are you? How much money do you have to invest? Can you afford to lose that money? It's pretty simple. If you have enough money that you don't need to use soon and find stocks that you think will increase in value over your time horizon, it probably makes sense to invest in stocks. If you're older and can't risk losing money for the reward of maybe getting substantially higher gains in stocks, it makes more sense to invest in bonds. It's also common to mix between both. Sideline money always in at least HYSA or Money Market, bonds are fine too. Bonds are also not the same as CD's. You can sell them if you change your mind. I'm 35 and am heavily allocated to stocks over bonds. But when I'm not buying stocks, my uninvested dollars are either in Money Market, SGOV, or short term bonds.
I'd rather be in equities most of the time, because over time, businesses eventually adjust the nominal prices of their goods and services to absorb higher input costs, restoring their nominal revenues and earnings growth. If inflation is 3% and bonds pay 5%, I'm not sure why anyone would take that trade unless you're retired with millions in the bank. Even if I had millions, I'd still lean mostly on equities and have just enough runway to pay the bills for 1-2 years in bonds, even then I'd probably choose SGOV.
Invest in S&P 500 ETF like VOO, SPYM, etc for long term investment, being away it can dip in the short term and take months or years to recover. If you know you need money on short demand (less than 1 week notice) invest in SGOV, VBIL, or if you live in a low income tax state consider JAAA which earns a little higher rate, but incurs more state tax, though be aware it can dip a little more, best if you KNOW you will not need to touch the money for at least a year to give it a headstart
\> every ETF I look at has lost significant value this year [https://etfdb.com/compare/highest-ytd-returns/no-leveraged/](https://etfdb.com/compare/highest-ytd-returns/no-leveraged/) The best is +5000% for the year. T-bill ETFs like SGOV will give you 3.75% virtually risk free. CLO ETFs like PAAA and JAAA have returned 4.8% for the past year with small risk. There is no magical 5% thingee like you mention.
Everyone in here is already picking apart Schwab vs SGOV while the post basically admits the hard part was getting a human to move cash off 0% since February. The spreadsheet comparison is the fun part. Getting someone risk-averse to click transfer is the part that actually eats months
SGOV only. Everything else pretty deep red.
Buying a treasury bond and holding to maturity locks in the nominal yield. Real yield will vary with inflation. Value of the bond will vary according to changes in market yield and remaining term of the bond. Buying a TIPS bond and holding to maturity locks in the real yield relative to the original purchase price. Value of the TIP will vary according to changes in market yield, inflation, and the remaining term of the bond. I-bonds lock in real yield for 30 years but have flexible exit and zero risk to principal value if liquidated even if yields vary. But investment is limited to $10k per year per person. If your timeframe is 6 months then invest in short term bond fund like SGOV, TBIL - the volatility is minimal, certainly less than buying a 5 or 10 year treasury bond and planning to sell after 6 months. Or just use a high-yield savings account - the difference in return over such a short period probably isn't significant.
SGOV would give you better tax advantage without worrying about banks playing games with CD rates. But if you live in a state without income taxes it wouldn’t matter. SGOV is currently paying 3.71%
no idea what "schwab passive is," but given what you're describing of "the user," it's not worth spending any time trying to get more than 3.5%. Suggest SGOV and let them spend the next 6 months vetting it so they'll leave you alone.
I understand. Keeping your money very safe while minimizing taxes and maintaining a reasonable return makes sense. Schwab’s passive cash options may be a simple starting point, but comparing CDs, SGOV, Treasury bills, and other low-risk options could help identify the best balance of safety, liquidity, and after tax returns. I agree we can leave index related questions for another discussion and focus on these safer options first.
I'm none of those things. What have you held for 10 years? How does an investor in 2015 select a stock that will confidently do better than CAT? Had I invested the 100K being discussed in this thread in Feb20215 when I bought, the position would be worth about 1 million (and I didn't have DRIP turned on for the first 8 years). This leads to the question, "HOW do you pick one stock for the next 10 years?" Don't just throw out a popular WSB ticker. I think AMZN and GOOGL are good to talk about in this discussion due to market penetration, staying power, multiple revenue streams, and a history of performance. PS - That list isn't my portfolio, which is dominated by VOO, VTI, MOAT, DIA, SGOV, and CAT. It is just the tickers I've held for 10+ years. With the luxury of hindsight, we know I could have done better.
> i need VERY safe interest What does "safe" mean to you? Safe against what? All investments carry risk, it's just a question of what fits your needs. Even cash carries risk, with real value eroded by inflation. With regard to indexes, I'm not sure you're speaking the same language as the rest of us. Even SGOV tracks an index. "Index" does not mean "stock index."
SGOV and chill. Wait for the crash.
I'm also 1/3 in SGOV and sweating bullets over the rest.
That's why I'm 35% SGOV for the moment
Take it. Pay your taxes. Put half in SGOV and half in IAUM and wait for the AI reset. Pick some winners and enjoy a decade of growth.
DCA that amount here, over about a year, at least out it in SGOV or the like.
Will you need to sell shares to cover expenses or for future needs? USFR and SGOV have ~3.7% - ~3.9% risk free with little to no volatility. JAAA and PAAA are popular on Reddit and offer around ~4.5% with ~1.5% volitility. SPYI is still very tech heavy with ~12% vol at .68% ER. The fund has only been around since 2022. It will crash along with SPY if there is a drawdown. It really just depends on what the purpose of the capital is. State, federal taxes, and tax bracket is also something to consider.
Toss 100k in SGOV, rest unto VT. That way you've got a huge cash allocation on hand for emergencies or safety or whatever
It all depends on what you want the money to do, but from the question it sounds like this is money that needs to be kept safe. A different way to increase your income with a small increase in risk would be a CLO ETF like JAAA. This is yielding closer to 5%, and while there are risks with CLOs they are less than comparable instruments yielding that amount. Do your research of course but I like them as a place to park cash while yielding a bit more than cash. I agree with other posters SPYI is not a good idea long term as it will always under perform it's underlying (SP500). SGOV and the other short-term bond funds are also great options.
Even SGOV has boof ass price action today
Stock dividends are not like bank interest. Get SGOV or a similar t-bill tool to get 3.75% interest... and/or buy VOO/IVV/SPYM for the S&P500 equity return.
Just use a treasury ETF - VBIL, SGOV, USFR. Or buy VUSXX in a JPM brokerage account.
There’s an ETF for everything, including REIT. Look at performance though. They’ve been in decline and the housing market is slowing with interest rates. If you really want something diversified, a small allocation of SGOV isn’t the end of the world. Just make sure and rebalance on highs and lows. 15% right now with an ATH would work. Then if the bubble pops and it becomes 20%, rebalance back to 15% to grab some cheap stocks.
Took my safe account of 23k which was previously entirely SGOV and decided to yolo into equal parts; CRSP, IBIT, ERII, MSOS and SLDP. Thoughts? Positions too tiny to share but maybe someday…
If you’re looking for a few extra percent without the long‑term swing of something like TLT, consider floating‑rate funds like USFR or TFLO – they stay in the ETF shape, give 1–2% better than SGOV, and move with rates, so they’re pretty cash‑equivalent. For a low‑duration corporate bite, VCSH offers another 2–3% boost over SGOV with only a moderate credit risk. And if you’re willing to trade a tiny bit more credit exposure for headline‑level safety, PAAA or JAAA (AAA‑tranche CLOs) add roughly 4–5% on top of SGOV while still keeping the ETF convenience. Just remember: longer duration or higher credit risk = higher price volatility – decide what that trade‑off is worth for your float.
Depending on your risk tolerance you can have wild swings at any level of investment. The breaking point is when a low risk investment nets you out more than savings would at an amount that’s useful. A large investment in something like sgov netting you out 2-3k a month is not the same as a smaller investment netting you the same return. Over the last few years we had really unprecedented growth in the stock market which historically is quite unusual. To summarize, to me a breaking point is when safe investments net me more than a salary would which depending on your expenditure can vary. At 800k SGOV returns roughly $2400 a month at close to 0 risk.
you might want to look at USFR or VGUS if you’re after a slightly higher yield but still in the ≤0.5‑year bucket. both are ultrashort T‑bill ETFs, 0.1–0.4y, and they pay state‑tax‑exempt dividends. for a bit more yield you can dip into a short‑term corporate ETF like VCSH (2‑3y $R‑card) or a AAA‑CLO such as JAAA – just remember that adds credit risk. if you’re holding a retirement account or need the very safety of SGOV, stick with it; otherwise those alternatives give you a meaningful bump in a low‑risk envelope.
Emptied the accounts out and went to SGOV. Yield from here until EOY gets me the last small profit I needed to have made 30% for two years in a row.
I guess the play is to just park your money in AAPL and SGOV. I am losing my ass on everything else
You pay interest on margin, any interest you pay on margin is almost guaranteed to be higher than SGOV
Margin is a loan from your brokerage firm. It is not zero-cost and the interest on the margin loan will certainly be more than you are earning from SGOV.
Very common . The difference in yield is not the only benefit, if you live in a state with income taxes the yield on treasuries is state tax exempt what can make a bigger difference. That and you never have to chase the best HYSA. Banks play games if they need deposits they will offer competitive HYSA ; if they do not they won't. Meaning you great HYSA today might not offer an competitive rate in 1 -2 years from now. The great thing about short term bond funds like VBIL or SGOV is you always get basically the short term rate.
Because the market crashing right now seems like the obvious thing to everyone. The markets rarely gonna do what’s obvious, it’s not rational. What I’m guessing is most these people are holding cash waiting for a crash or have puts or something. And they’re mad the market isn’t crashing. IMO best strategy is to just DCA right now I’d say maybe 40% investments and 60% cash or in SGOV. Or treasuries if you fw that. But yea these guys are frustrated that inflation is eating their cash
A 20yr bond is a specific bet that interest rates will stay flat or go down. Sure it can be sold, but if interest rates rise by say an additional 1% in those 6 months, the value of the bond has decreased by about 10%. OP seems to be better served by answer like: A) Preserve capital with a CD or SGOV or 6 month bond (and settle for 4%ish range), or B) Purchase bond funds or individual bonds with longer durations and slightly higher rates (4.5-5%) *if you think interest rates will stay flat or drop in 6 months*, with a major risk that rising interest rates could cause a loss of 5%-10% of the value
BlackRock iBond ETFS have targeted maturities. When the ETF reaches its maturity date, it liquidates and gives you back your capital. They charge an expense fee of 0.07% for the convenience. They even have a bond ladder builder you can use to build out your portfolio. Otherwise, you'll need to go through a brokerage like Fidelity or buy them directly from TreasuryDirect, which has a user interface that feels about as modern as MySpace does. However, you only want to park cash for 6 months? Kind of pointless to get a 30-year bond then. You could just drop it into SGOV or JAAA.
Thinking about hiding in gold and SGOV for the rest of the year. Something smells funny.
Some banks will often have very competitive rates on specific duration CDs. That's a good option. Check with your bank on their specials. Or purchase SGOV or BIL which are short term bond ETFs. You'll need a brokerage account at Schwab, Fidelity, etc. Collect monthly dividends (more like 3.7% for short term right now). Sell when needed. Owning individual bonds is also OK - as others mentioned, you can purchase them from within a Fidelity account, or through treasury direct. But that's a bit more complicated than SGOV/BIL.
This is a good answer. SGOV or BIL are ideal. Easy. Competitive rate. Buy them in a brokerage account.
I sold everything and bought SGOV. There is nothing left.
With robinhood you can basically do the same thing with buying SGOV. which buys short term rolling treasury bonds. I actually tend to prefer this over buying bills directly from treasury direct.
Kinda hard when all my stuff is in SGOV. I got out a 41% gain on the year.
either go out on the risk spectrum (corporate) or roll t bills (SGOV, etc) you can’t just materialize a 5% return with no duration risk, which is what you’re complaining about. if you really need the bones in 6 months, forgoe 80bps and own nothing with duration.
If I had to pay state or local income tax I'd put it in short term treasuries purchased through my favorite online brokerage where they're easily sold before maturity if necessary, or SGOV which invests in 0-3 month treasuries. Here in California where middle class people pay at least 9.3%, 4.1% exempt from state tax is like a fully taxable 4.5% and $500/year on $100K.
There is no such thing as low risk. Everything has trade offs. The market doubles every 7-10 years. If that 100k is there for 7 years then it could have been double in simple VOO. That is the tradeoff. Let’s say hysa gives you 20k over those 7 years. You will have have 120k vs 200k. And then there is the effect of compounding. You don’t get to 21 years invested without getting through the first 7, etc. You’re a business owner. You’re likely too risk averse (ironic considering own business is riskier than VOO). Find a trustworthy pro to discuss these things with. But in general, auto invest part of your income and don’t panic sell is how it works. I personally don’t like hysa, much prefer SGOV in a Fidelity account. At least the brokerage will compare to benchmark and you can see what you have up compared to sp500 (VOO). Banks don’t give you that analysis, they just let you get eaten up to inflation (their business model). Best of luck!
Safe spendable you’re tied for hysa and SGOV or short term treasuries. You can get 5% on long term treasuries but those are more volatile than stocks 😂 example TLT has an average duration of 15 years so every 1% interest change will swing that bad boi about 15% EITHER DIRECTION.
A lot of this depends on your tax situation. HYSA is obviously straight up income, taxed at ordinary income progressive rates. You might want to lower your taxes by seeking investments that have tax equivalent yield, but lower taxation. Stuff like SGOV. Or you might take a small portion of that and expose it to principal loss (even if it is temporary) like municipal bonds of your state (completely tax free) or TLT. Of course, HYSA interest rates adjust relatively quickly to changes in interest rates, so if you believe these interest rates won’t stay here, and will drop, then things like CD ladders and treasury/municipal bonds might make sense. Especially if you don’t expect to have to pull from all of this all at once.
Majority of SGOV is state and local tax exempt while HYSA's would be entirely taxed by the state and localities. The higher your state taxes are, the better SGOV will be.
Or 0-3 month short term bond etfs paying put 3.75% riskless (i.e SGOV or BOXX) with similar liquidity as cash
This is what I do. I put 80% in SGOV with no margin enabled in the account. This way, you play with limited available cash