SGOV

cupa001

I am relatively close to retirement and have decided to start divesting my individual stocks. My rule is that I will sell if I have at least 100% LTCG. Proceeds go to SGOV or VTI depending on account. This is out of my “play” account, not a big deal if I hold for long or never sell. Will also use for tax loss harvesting if needed.

Beautiful-Carry8783

Those are some good shouts on the ETFs, I’ll definitely look into SGOV and VBIL, thanks for the heads up. As for the tariff and war periods, honestly, the biggest thing was just not panicking. When everyone is screaming about the news, I just look at the price and wait for the institutional footprints to show up. I stayed mostly in high-conviction leaders and made sure I didn't overtrade when things got volatile. It’s usually more about what you don't do during those times that keeps you in the game. I’ll try to put together a post with more details on how I handled those specific environments when I have a bit more time

sizko_89

I think you misunderstood me. I didn't mean wheel SGOV. I'm talking about parking it there if margin is enabled on his account, which I've heard of some brokerages doing at even low ass portfolio sizes, and for him to use the corresponding buying power to wheel appropriate sized tickers.

themanclark

How is he going to wheel SGOV with $500? It’s an $100 ETF.

Kickboy21

Do your math again retard. Even a 3.5% with SGOV is 175k.

BackgammonFella

4 etf forever “index” portfolio 20-40% SGOV (100% short term treasuries, may be worth diversifing with municipals if in NY, CA, MN, etc) 20-40% VTI (100% US stock market) 20-40% VXUS (100% international stock market) 10-80% VT (100% world stock market) If indexing, why not fully index the entire equity market?

_galaga_

SWVXX is the money market I used to use before I switched to SGOV to avoid state income tax (which you don't need to worry about). It yields roughly 3.5%.

richard-b-inya

At least move it all to SGOV

TexansforJesus

Everyone’s coming at you pretty hard here. I can understand your trepidation. I am the type of person that has predicted 30 out of the last two recessions. Here’s how I think about it: I’m older, so my risk tolerance and ability to wait out any down periods is less than younger folks. I have an asset allocation based on the age and risk tolerance. I’m mechanistically invest based on that asset allocation. It means holding your nose and buying sometimes. You are not going to ever optimize or maximize the amount of money you could’ve made based on hindsight. It’s better to think of what your goals are. For example I’ve got a big purchase coming up in the next three years. Like seven figure big. Most of the money I’m saving for that is not in stocks. It’s in SGOV. Money for retirement? Plenty of time for that money to ride out any downturns. I think the amount of time is seven years; i.e., you can figure you’re gonna be better off than a savings account or money market fund if you can hold the money for at least seven years. Sometimes it goes down by half. Who gives a shit? I’m holding long-term.

sizko_89

Brother you have $500. If you actively want to trade vs invest and have margin park it in SGOV and just wheel. If you don't have margin, which tbh you shouldn't mess with till you have enough experience under your belt, keep it as cash while you deposit more and just wheel right sized companies to your portfolio size. If you haven't already, look up the option courses from Tastytrade and really digest those. Even if you don't follow their suggestions it is good education.

iam_bai

Interesting setup. The SGOV collateral side is a pro move. Regarding sustainability, the main risk is the Opportunity Cost of the Roll. Rolling calls six months out suggests you're fighting the market trend rather than flowing with it. In a strong bull run, you're effectively neutralizing your own gains to save a position. The real danger is a Regime Change, where the market shifts from a low-vol trending state to a high-vol ranging state. In that scenario, the natural hedge you mentioned often vanishes, and both sides of the trade can move against you simultaneously. I have spent a lot of time building a quantitative matrix that maps exactly which strikes to pick and when to exit based on these specific regime shifts, so I don't have to roll positions into the distant future. Let me know if you'd like the link to it.

One-Army-1668

I wish I found this discussion much earlier. I could have earn much more interest for the cash allocated for my CSP at schwab earning next to nothing. I have finally ask them to change my SWVXX into a type II (Schwab Accounting Term) account which can be used for collateral for my CSP) thus freeing up my cash account to earn higher interest. My question now is SWVXX vs SGOV. The 30 day yield is about the same but I don't have to pay state and city tax which is like another 10%. The 2 gotcha seems to be the buying power of 99% for SWVXX vs 70% for SGOV and the Wash sale rule. The wash sale rule sounds more complicated to manage as I will only sell SGOV if I need to cover the put or buy when I have incoming cash from selling the puts. Hoping some can share their wisdom on the pros and cons from their experience.

monkeybrainbois

Im still in the market with strong etfs like VT and SCHD. Got an about half of my taxable account in SGOV (CASH) waiting for something to happen. I’m still making my regular DCA every month into VT and SCHD regardless of what happens. Other than that still buying gold and just hodling whatever bitcoin I’ve managed to accumulate over the years. I sleep well being diversified in these uncertain times. Hedge your bets, never know where the future will roll. Don’t want to crap out without insurances.

Various_Couple_764

 When you receive dividends, the share price drops commensurate with the dividend payout. Yes that happened but it is temporary and small. With very stable funds like SGOV you can see the share price drop when the dividend is payed and then it goes back up. This happens every month. SGOV is a bond fund so it is easy to see this. But with most other funds and stocks it is a lot harder to see and sometimes it doesn't show up. And other times it may go up right after the dividned is payed. But overall it is of no consiquence for investor because it is so small and doesn't last long. >Do you think dividends are free money? They are not. The only people that say that are not dividend investors and know very little about dividends. Most dividend investors know that dividend can mean taxes. Which means it is almost never free.

Mcslapchop

SGOV you will pay fed tax on, but not a bad option, PULS you will pay both fed and state tax on because it is not gov bond fund. I would look into CA Specific Muni bond funds such as OCAYX. Yield is about 4.44% but that is Fed and state tax free. Because it is not short-term bonds, you will see some ups and downs (MUB has the same issue but won't be CA state tax free). If you prefer almost no volatility you could look into either CALI, or DFCMX which are California specific short term bond funds. They will have less yield and less volatility.

chrisdelaris

I have a cash account about $15k (5k cash) but I spent 15k of my margin just on SGOV shares so it’s above the PDT limit 25k and have some room for myself. I don’t trade with margin money i just used it to be above the 25k limit

putridstench

SGOV & MINT for me. 25% of my portfolio at the moment and maybe more before the end of April.

blackgenz2002kid

honestly? to still get the thrill of the markets I do 50% TQQQ, 35% VT, and 15% in SGOV to use as a cash store or QQQI/SPYI for dividend income

RockyMountainGoat76

No point in being a bear rn, too many regards. I'm 30% portfolio in one stock hedged with CCs, 15% port in another stock also hedged with CCs, and 55% SGOV. When the black swan appears then maybe I'll turn into a 🌈 🐻 but for now I'm neutral.

limestone2u

agree with total-head but with some caveats. First put your $20k in the market in either SGOV or CLIP so you can start getting interest on your money right now while you are stewing over your options. Read a couple of books to get acquainted with the jargon and find out the general outlines of investing are such as: DCAveraging, not having more than 3% of your portfolio tied up in one stock, how dividends work, what total return is, and the difference between growth investing and dividend investing. It will take awhile but you need to start your education in investing…..it is an ongoing thing. In a month or two you will feel more confident and will have answered your initial fears and questions. You will have replaced them with more and better questions. This is to be expected. The one thing to start working on is how much risk do you want to take on. This will change over time as you get more experience. The most important thing I learned was a very successful investor is right only about 65-70% of the time. So you need to get comfortable with risk, decision making, and occasionally ,making a blooper. Good luck to you.

SomePolack

SGOV, USO, drones/defense and chill 

qqqqqx

If you're worried about volatility but want to get some percent return put the money in SGOV and reinvest dividends for compounding 3-4% growth.  Lowest risk with consistent returns. If you want to get better returns put it in a broad index fund like VOO or similar.  A bit more risk, but generally pretty safe and better returns given enough time to ride out various ups and down.  Don't worry or look at the swings day to day or month to month, just trust that over time it will grow well.  This is generally considered the best advice for long term investing for beginners. If you're interested in an index fund but worried about putting in a big lump sum at the wrong moment, you can split it up and put a fraction in every month for the next twelve months.  That way if the market has a temporary blip on a single day you've amortized your investment over the year so you end up with a more average price.  Schedule it automatically if you can, so you don't start psyching yourself out and checking the prices.   I think most people generally say that it's better to just dump the lump sum than break it up, but IMO if it helps you mentally to break it up then you can and you won't miss out on that much.

MarlonMcCree20

Time in the market is better than timing the market. I'm big on lump sum vs DCA. With that said, you have never invested a cent. You're brand new to investing. Take it slow. I can almost guarantee, every person here's strategy has changed one way or another compared to when they first invested. If I were you, I'd look into treasury bills/SGOV. That might be a better place to park your cash vs a savings account. I live in a high tax state and would never park 20k in savings. But 20k to me might be pennies to you.

Typical_Web_2125

I hold VTI which already has all of these funds. The basic principles of broad, diversified ETF exposure apply to all account types. The main difference outside your retirement accounts is being tax-aware; you want to prioritize low-turnover, passively managed ETFs like VOO (S&P 500) or VTI (Total US Stock Market). These are highly 'tax-efficient' because they rarely sell internal holdings, meaning they don't trigger the frequent capital gains tax hits you might find in actively managed funds. The more important issue is your timeframe. Often, people use taxable accounts for mid-term goals like a house down payment. If you need the money in 3–5 years, that suggests a more conservative strategy (like a money market fund or SGOV), not individual stocks, which are far riskier. If you’re in it for the long haul, an aggressive strategy weighted heavily toward broad stock ETFs makes sense. The individual stock game is ultimately just that—a game. It rarely makes sense as a primary strategy. If you have an itch to gamble, keep it to a 'sandbox' account. If your 401k has $100k and your taxable has $3k, losing that $3k won’t ruin your future, but personally, I’d rather keep all my money working hard to fund my life.

MysteriousCoat1692

Put the money in SGOV. Every last day of the month go in and sell 1,700 of SGOV and buy 1,700 of VTI (total US market if in the US). If you're able to do that whether the number is up or down, you're ready to invest. Also, consider reading up on Boglehead philosophy given your anxieties. 1,700 per month will let you DCA the money over a year and learn in the process.

CornerOne238

Start with SGOV and go from there

Ahamadrayasbaboon

Lol, I deposit the money monthly, and it sits in SGOV/cash sweep as I dribble it into equities daily.  Basically the account chart is the aggregate moving average of a basket of ETFs. 

Ahamadrayasbaboon

I keep an account where I DCA daily as a benchmark of momentum, Q’s, growth, and quality ETFs, with some SGOV for balance and dip buying. I manage it strictly. I have a small but consistent income stream earmarked specifically to go into that account.  Biweekly is a 401k. This year, I piled money into it early, then slowed down to just what is matched. Normally I try for a consistent amount over the year, but I thought I might get laid off so I wanted to take advantage while I have it. The SP500 fund in it has the lowest expense ratio of any that I’m aware of.  Annually is my Roth IRA. I max it during calendar Q1. This year, 40% ETFs immediately, the same as in the daily DCA account. 60% SGOV. Then everyday I sell some SGOV to average into those ETFs, starting aggressive and then tapering over time, with a target of being 90% ETFs by summer. Because I anticipated a rocky year. Normally I just pile the money in and buy 90% ETFs. I manage it strictly, though.  The rest of my spare money goes into the retard fund. I actually DCA daily on margin, there, too, but I also take whatever opportunities I think I see. I re-evaluate my margin tolerance weekly, and calculate how much I will DCA and how much I will screw around with. There’s a wider variety of ETFs in there, and like 125 individual stocks, and I usually have around a dozen options contracts open at any given time. I seek to beat my benchmark from the daily DCA account by taking larger risks. 

WallStreetBoners

She also has a lot of treasuries. And that’s exactly what I’m reallocating to. VTI -> SGOV. Still has a lot of RSP, BRK, VTI. IMO since the port is >$3M it doesn’t make sense to be 100% treasuries.

taplar

SGOV's Trailing Twelve Month (TTM) return is almost 4%. Same with VUSXX. Over double what you're getting right now.

nrubhsa

Oh no! Liquidating my SGOV!

Ahamadrayasbaboon

Daily DCA and annual lump sum accounts are ~ 40%SPMO, 20%QQQM, 10%VUG, 10%VONG, 10%SPHQ, 10%SGOV.  Every 2 weeks is like 90%FXAIX (SP500), 10%Vanguard TDF.  Retard port has all sorts of shit, and is a margin account. 

Ahamadrayasbaboon

Go to R/bogleheads. Don’t seek advice here.  Read “The Richest Man in Babylon”.  Broad market, non sector-specific, non-thematic, low expense ratio ETFs. Pick 1-3 and buy every day, week, or month without looking at the price.  In order of perceived risk/reward, low to high: VT, VOO, QQQM. SGOV for “cash” position or HYSA. Assuming these are available to you. 

DesignerSea494

I’ve made a lot of SGOV trades and have never lost money. I’m pretty sure it’s a sure thing.

DesignerSea494

SGOV has such an obvious pattern. I’m gonna be rich!

koudai8

This is a great point - the fundamental thesis that I have is that there will be crashes that are large and persistent enough to lift the short calls from underwater. Multi-year grind up and sharp rips leaving the calls underwater permanently, is a huge and unmeasurable risk. Additionally, given the speed for which the market recovered in the years since the pandemic, one really has to stop and think, is the "market always goes up, and any dip is an opportunity" narrative is a self-fulfilling prophecy that is here to stay. Also great point in large crashes, the SGOV may only be used as collateral, given the margin requirements from the short put positions.

DoinIt4DaShorteez

i mean, if you keep it in a money market mutual fund, you can write a check against it. if you keep it in a short-term treasury etf like SGOV or BIL or BILS, you can sell enough shares on one day to raise whatever amount you need and then move the cash the next business day.

Fit_Transportation48

some would argue you are but those people are probably more risk averse and worse at controlling their emotions. FOMO dumping borrowed money into an overbought momentum market is not the same thing as borrowing cash at a decent apr, dropping it into SGOV or something that pays a small bit and waiting for a 27+ VIX to start averaging into an ETF and play the bounce while selling calls at your target exit price.

OptionsProOfficial

In theory this is “just” a structured way to be long SPY/QQQ and short vol, so it can work, but the two big gotchas are path risk and roll risk: a multi‑year grind up with sharp rips can leave your calls permanently underwater and force you to keep rolling for credits that don’t really make you whole, and a big crash can hit both sides at once if you’re leaning on margin and using SGOV as collateral instead of true cash. Over very long horizons the edge mostly comes from owning the indexes and sizing your short options small enough that you could tolerate both “calls buried in a face‑ripper rally” and “puts buried in a crash” without being forced to liquidate or roll into worse positions just to survive.

Madismas

This is me, I got about $11k in small companies like rocketlab and archer but $280k in my 401k and $30k in SGOV. Thinking to keep adding to SGOV or more stock picks.

Insteadly

I prefer VTEB over SGOV for cash. VTEB is a short term muni bond-based fund, so no federal taxes on distributions. It pays an interest rate similar to SGOV. SGOV is taxable on the federal level, but exempt from state taxes. VTEB is exempt from federal taxes and partially exempt from state tax.

tonymorgan92

This. I have 12k, around 5% of my portfolio sitting in SGOV as a cash reserve, and didnt buy any of this last dip just because i was waiting for it to get deeper.

jrod259

It’s too the point I feel like SGOV is even too risky

SomePolack

SGOV and theta gang baby

SistersOptionSeller

This but $BOXX which before expense ratio on certain days of the month will provide better yield than $SGOV and I don't have to worry about wash sales when moving cash in or out

Subject_Barnacle_600

You can just buy SGOV and have liquidity to boot :P.

binzo21

Keep cash in $SGOV

TheoryInttro

Could you explain what money that is? My safety hedge in the money market and SGOV isn't sidelined and is not primed to FOMO into a market that is already overbought, so I'd like to hear your thoughts. There's a possibility I'm positioned wrong so I'm open to suggestions.

Easik

The average person should put it into the S&P500 (SPYM) and never touch it. Since that's you, that's what you should do. You should roll over the 401k immediately to an IRA. If you want to try to time a good entry, then let it sit in SGOV or SPAXX until you decide when to buy. I can promise you that you will lose money if you try to trade, especially in this political climate.

thorn960

How long is your time frame? Will you need that money to buy another house? I would say if you plan to buy another house in the next 5 years you should put it in a high interest savings account or SGOV

BoboThePirate

Yuppp. Investing is more philosophical than anything. You gotta figure out: How much risk are you comfortable with, how much of your portfolio at that risk, what are your long term goals with this block of money, how soon do you need immediate access to the money, are you ok if xyz block drops 50% etc, and most importantly: how much time do you want to spend babysitting your investments (for me it’s daily during chaotic periods, I genuinely enjoy it). I fucked around with Tesla options with some “play money” and lost all of it. I only think of it when I talk about investing. I don’t even think I lost sleep on the days the options expired. I have a portion of my investments that I “rely” on being accessible within a few years and that block is in BRK.B and SGOV/bonds. The rest, I fuck around with to varying degrees. This works really well for me because my averaged returns on fuck around money is like ~60% annualized over 4 years but I wouldn’t have seen a drop of those gains if I was fucking around with the money I was emotionally attached to.

Various_Match_187

Yeah, like SGOV and a stock ETF

1-Dollar-Doge-Coins

So you're 10% SGOV, 90% annuities...what are you doing in a stock subreddit?

Ahamadrayasbaboon

Your cash position is losing $7.23/day in purchasing power if it’s not in a HYSA or SGOV though. I mean that with the most love possible. 

afishinacar

SGOV and chill until big orange creates a new thing that shakes the market up and creates buying opportunities.

OpenGuard1993

I don’t care what the market does, around 10% of my portfolio is in SGOV. I’m retired.

wynveen

Staring at their SGOV holding

grantern2

In so fucking depressed. My long term account is in SGOV right now. I’m missing out on all the gains while my cash is inflating away. What the fuck man

Ahamadrayasbaboon

Oh wow, even SGOV is up a penny more than normal. 

Ahamadrayasbaboon

Consider a blend of defensive ETFs and SGOV, so you don’t get inflated away

Mr_Doubtful

Eh, I’m buying a house and have been slowly liquidating the past 8-9 months. Buying SGOV and high interest savings instead so I have plenty of capital for renovations and what not.

MarlonMcCree20

You're new to investing so I wouldn't just yolo it all. I would put the majority of it like 80% in something like SGOV. And 20% of it into what you're currently doing. Because as time goes on you're going to learn a lot more and change your strategy.

Iscratchmybutt

yeh putting it in SGOV is more liquid + 100% passive for like 3.75%... not sure i want to tie myself down and manage one more tenant just for a measly 1%. i feel like the stock market is better. if i double my money i'll probably buy a property like that even though it's sub optimal to diversify + product income

SuperNewk

I day trade SGOV since it never goes down. Selling puts is a cheat code

Me-Regarded

I just thought of this... If I full port into SGOV my port will be green every day. Joy joy Did I just stumble upon a life hack?

OurNewestMember

I generally avoid hedged single legs calendarized on a cash-settled product like this idea. Because you force yourself to need to care about the liquidity at least twice (you can't have your delta fall out on the front expiration, so you must pay for an exit or another entry to rebalance) Tbh, unless you are actually trying to lock in the implied interest rates at these durations (mainly the longer one), in the money does not make sense here. The volatility exposure is readily available from the OTM puts (better liquidity), and the large debit (for the ITM long) can be achieved with liquid fixed income products. Different case if you are trading futures products, though. I would look at something like: sell 12 mo OTM put, buy 18 mo OTM put, buy a few $$$ SGOV or whatever (and probably not hedge rates). I know it's less intellectually interesting, but all those contracts are easier to manage with very similar or identical vol and rate exposure. In any case, I'd try to sell some downside vol to hedge against IV coming down and crushing the spread together. But that's a volatility opinion you didn't ask for, lol

InsanelyRetarded69

If you do choose to DCA, consider keeping your cash inside SGOV on Schwab. It’s a US 3 month treasury yield fund that currently pays around 4%. It beats holding cash

SnS2500

SGOV

No-Sympathy-686

Yeah, if its long term cap gains I take 20% and toss it in SGOV and if its short term I take 40% and toss it in SGOV. Then when the tax man comes I sell and pay from that.

MutaliskGluon

I sold all my puts yesterday and gave up on trying to short and went full SGOV. Do with that information what you will

Junior-Appointment93

Just do what most of us do and that’s dollar cost avg. Or you can park it in SGOV pays as monthly dividend and when you want to invest in something else that pays more. Just sell SGOV to buy that something else.

Pecanpie007

Set aside the cash you’ll owe for tax. Put it in HYSA or SGOV. I suppose you can put it in a broad index like VOO too but you then count on no crashing, and if it does go up when you sell to pay tax you incur more tax.

Ahamadrayasbaboon

Time in the market beats timing….you’ll always miss these rallies if you wait.  But more importantly, you don’t want to be holding cash if you value its purchasing power. At least put it in SGOV so it’s not being inflated away. 

Late-Band-151

1st pay off debt 2nd take 20% of what’s left and put it in HYSA or SGOV 3rd take 10% of the remainder in individual stocks 4th, dump the rest in 5 or six equal injections into VTI over the next few weeks/months depending on market conditions 5th watch rates like a hawk and refinance when you have the opportunity. DO NOT take any cash out when you refi.

wynveen

My emergency fund is SGOV too but not my entire portfolio like some have said they moved into.

LanceX2

My Emergency fund is 100% SGOV. About a 12 month. I dip into it when market goes down. using sgov vs holding VTI ia dumb

wynveen

lol @ those edgelords holding cash in SGOV

ShellfishJelloFarts

!p SGOV

jbokwxguy

If it is, I’m nervous, It it isn’t I’m nervous. Either way SGOV don’t fail me now.

Junior-Appointment93

Just dollar cost AVG. or depending on how much you have in case place Cash Secured puts. For what you want to buy the stocks at until you get assigned. That way you receive some cash from the premiums you receive. If you don’t get assigned you can use the premiums to buy the shares with free money or just keep the cash. These are your 2 best options. 3rd is to buy SGOV. It pays a monthly dividend and the dollar value does not change. I think SGOV pays around $0.30 a share each month or close to it.

D3AtHpAcIt0

put it in the market, but if you wanna be a ber SGOV is the best you can ask for

_rockthemike

Hey guys I have like 15k in cash on the side lines right now. Do you guys keep it in SGOV or what should I do

Mobile-Bar7732

You can DCA back in if you're nervous about a crash. Put your money in 0-3 month treasury bill ETFs like SGOV while you DCA back in. They are less effected by interest rate fluctuations and you still earn around 4%. You shouldn't be investing in equities unless you plan to stay invested for 7 to 10 years. This gives the market time to recover in the event of a major downturn. No one can tell you which way the market is heading.

Me-Regarded

I know, just having fun. I may be a permabol, but in different things. Maybe tech, maybe utilities, chips... Sometimes bullish in SGOV :) Probably freak out and sell everything if I do that

Livueta_Zakalwe

I feel like we’re in the eye of a hurricane, and we’re going to start feeling the ramifications of the oil, fertilizer and helium shocks of the last 6 weeks in the next 2-4 weeks. I’m retired, reduced my equity exposure from 60 to 40%, happy to sit this one out in SGOV. I didn’t buy in at the bottom (so far, anyway), but I’m not going to be putting new funds in the market, I’m starting to take them out! I can handle missing out on a 10% gain easily, but a 20% loss would suck. My portfolio is up slightly since the war started, happy to watch (mostly) from the sidelines.

hiphopanonomos

My Roth IRA is smaller so I bought the dip in March and am up 10% ytd, my big account I took profits in at the top this year and held SGOV through the dip out of fear and now the market is back to all time high. Just buy the fucking the dip ALWAYS

Careful-One5190

Forget those "business" ideas. It's obvious you could make 6% on that money by paying down the mortgage. You could put it into an S&P 500 index fund and PROBABLY double your money in 8 years. That's obviously not a guarantee, so keep that in mind. We could have a recession and you could actually be down, right at the time that you need the money. Typically the "VTI and chill" philosophy is valid for longer time frames, but is risky with only 8 years to work with. The safest route is SGOV which would only yield 3.5-4%, but is basically risk free. It's probably the best place to "stash cash" that you might need quickly, but earn a fair yield until then. It's also a great choice for your 6-12 month emergency fund.

djan242

I sold some but only to move it into SGOV for a house down payment in the next 2 or 3 years. Don’t want to have the value wiped 10% when it’s needed. Otherwise I wouldn’t sell any

MutaliskGluon

Theres this weird media blackout over whats happening. Everything coming out is from the white houses lips. We arent seeing anything about israel saying their goal is regime change in Iran. We arent seeing anything about all the issues in SE asia an E asia with fuel shortages and all that. Seems shady as fuck, but what do I know, im a bear whos in all SGOV watching everyone make crazy returns buying overvalued stocks heading into an energy crisis.

Asclepius-Rod

At least this time I didn’t panic and move a bunch to HYSA and SGOV rather than staying the course

xghtai737

Another way is to put only 1/3rd into SPXL and the other 2/3rds in SGOV, which more or less will get you the market return on the entire portfolio while only putting 1/3rd at risk, plus the TBill rate on 2/3rds of it. Then, whenever the S&P 500 sells off 20%+, deploy extra cash into SPXL. It's a safer way to use SPXL.

zrzhu111

u/G00gle26 See above. You'll need to sell $2k of SGOV. I haven't tried it.

OnlyHereForVerde

I don’t understand why so many people, including yourself, can’t understand that different people have different risk tolerances and circumstances. If you’re a few years away from retirement and worried about capital preservation 100% SGOV is fine. If you’re unsure about your job or in between jobs, moving out of riskier investments is fine.

Kachowxboxdad

Donated $32 trying to buy puts EOD looking for a reversal and realized market only goes up so I’m back out as SGOV gang again

MeatlockerWargasm

SGOV

MeatlockerWargasm

Yes...SGOV

ILikeCorgiButt

SGOV gang here

VinumRegum

You're facing a sequence-of-returns risk when you're forced to sell in a low market. I keep a certain amount in near-cash like SGOV to get through any downturns but run the rest of my portfolio as before, mostly broad index ETF's. I don't try and time the ups and downs of the market.

FistEnergy

My SGOV hoard is ready for better buying conditions

W3Planning

Doing anything, but back testing and revising and tweaking your strategy right now based on all of your previous trades and journaling is just putting you at risk. Sit in cash / SGOV and don’t fuck up your account in the meantime. Things are starting to turn, but a few days of green candles do not constitute a trend after the last seven months. The market is still 100% sideways at best.