SGOV

LostandConfused2024

Do I buy Microsoft and become a bagholder? Put my money in SGOV until the war ends? Or VT and chill.

mike_alpha22

You’ve got solid retirement coverage already, so your taxable account can lean safer. Holding mostly SGOV and a small slice for stocks/options keeps you ready for a down payment without big swings.

BobtheChemist

I would ditch that guy and find someone who is trying to help me, not enrich themselves. Better yet, move to Schwab or Fidelity and put short term money into SGOV or such for free (no commissions or fees), and put the rest in simple ETFs that have low costs and will give you some real growth. I have never meet ANYONE with 70% of their savings in one poorly defined sector. With 212K, you can move and get free advice that is much better, then consider hiring a fee for service advisor once a year or so to help find a plan, but most will just put you into SS&P500 etfs and maybe a few other things.

BreakfastLeft55

You don't have to buy whole unit shares of SGOV is a benefit. Other than that they're similar.

Ok-Opportunity642

Maxing out your retirement accounts is textbook smart, but your 2-3 year timeline for a home purchase creates a major risk mismatch. Keeping 40% of your taxable account in individual stocks and options is a high-stakes gamble for such a short window where a 20% drawdown could delay your home goal by years. SGOV is a pro move for capital preservation right now because it yields around 4.3% with almost zero volatility. I usually use the portfolio cross-referencing on trylattice to separate my long-term retirement growth from short-term liquidity goals.

CrayonUpMyNose

Same applies for SGOV

BobtheChemist

SGOV is ideal. TIPS type etfs might also be OK.

No_Alternative_6206

I was there with you. You will be paralyzed on the sidelines forever. First off let’s get you ready to go and at least a better rate. You don’t need to buy in all at once (especially now) but you need to be ready to get into the market in an instant once it gets better. Open an account at vanguard or E*Trade. You can put it all into vanguards default sweep account and get better interest returns or buy into something safe like the SGOV etf. It’s a no brainer over your current situation. Then lookup some good target day funds spy ETFs and international ETFs and save the tickers so you know what you will buy when you are ready.

tech01x

SGOV or a high yield savings account. I have LendingClub LevelUp Savings with direct deposit which pays 4%. SGOV only has a 3.58% 30 day SEC yield, so your state taxes have to be around 12% to make up the difference to 4% (SGOV isn't taxed by states).

i-love-freesias

SGOV just buys treasury bills, and charges you a management fee. Just buy your own directly on treasurydirect.gov.  No fees.  Shortest term is 4 weeks. You can set them to reinvest. You can add a POD beneficiary.

CrayonUpMyNose

You can hold SGOV in Schwab and have an expense ratio of 0.09% instead of 0.34%

RadiatingMania

SGOV and maybe VTIP, although people been warning me about VTIP

Mr_Marc

My emergency fund sits in SNSXX, because I'm on Schwab, and it's equivalency to SGOV

therealjerseytom

Generally, for capital preservation with inflation specifically hedged, TIPS are designed exactly for that. If you're looking truly short term like this December, a money market position is fine. VTIP, SGOV, money market... something along those lines.

BreakfastLeft55

money market fund. Or SGOV gives best yield and avoids state taxes

Awkward_Ad_5102

I wish I put more of my money into SGOV…

Warm_Pianist4879

SGOV gang chillin rn

Warm_Pianist4879

SGOV gang WYA???

AdvanceUsed2790

The morning of Trumps tweet when the market rebounded, I sold off and put around 70% of my portfolio into SGOV. I don't trust the market and most of all I don't trust this orange president. I think max potential upside for S&P500 this year is +10% and max potential downside over the new few years is -30% to -50%. The latter is way more important to me than the former, even if the risk of a recession is only 30 to 40%. I personally believe however, that the probability is much higher. If I were you, I would put cash into money market or SGOV and buy small positions in US and Foreign markets over time. I am a strong believer in the idea that international and emerging markets will outperform overall the next 10 years, but those markets are particularly exposed to downside during this conflict. However, that means will be incredible buys once the conflict is resolved. The US market is currently valued at levels only seen 2 other times in history, before the great depression and before the global financial crisis.

MaybeTheDoctor

At least some money market fund at 4% or SGOV so it keeps up with inflation.

brug76

SGOV at the very least

Various_Match_187

I disagree. Any money that you don't want to lose should e in a HYSA, SGOV or another cash-equivalent. You can still lose 50% or 60% of anything that's invested in a diversified long term bucket of equities.

MeretrixDeBabylone

I think this is the best idea for someone looking to get into the market today. I've been neglecting the cash/bonds part of my portfolio for too long after getting started during COVID, so for this year I've sold some equities for SGOV/gold, while continuing to fund my 401k/ROTH/HSA. Either the market will somehow end up positive at the end of the year and I'll miss out on gains in my taxable accounts, or I'll accumulate some cheaper shares in retirement accounts without being stressed about a huge chunk of my shorter term money disappearing.

Sea_Condition_6999

So I guess I'll just full port SGOV and break even in 25 years.

Perfect-Loquat-7791

Moves feel clockwork until options pricing catches up. On something like SGOV, low volatility + time decay can quietly eat calls/puts even if direction is right for SGOV. now

BagHoldersOfAmerica

SGOV at 4% yield probably outperforming most ytd

hiphopanonomos

SGOV

TreeEven2890

Do you know what SGOV is my guy??

SomePolack

I’m putting it into interest yielding accounts/SGOV I’ll happily take 4-5% in cash instead of losing money 

Warm_Pianist4879

SGOV gang baby woooooo

2c-b_day

I have PTSD from the past weeks, so I'll happily settle with my 6% profit this month and stay in SGOV until things are truly looking better. I refuse to be exit liquidity

Fit_Combination6988

I'm in SGOV

DealBeneficial8928

What’s SGOV?

GoldenAries4

I’m hiding in SGOV right now. I assume it’s far, far more than me doing this.

Sirknowit

The "experts". HA! Just invest. Pick quality and stay the course. They have NO idea what the next 30 days let alone 120 months will bring. I lost $50K in that few weeks. That's the game. I'll recover. I don't need the money for 15-20 years. Thems the breaks. If this worries you that much. Sell it all. Buy SGOV and earn some interest while you can.

aphel_ion

I moved my Roth IRA into SGOV last week. I may end up regretting it, but I think this war is going to keep getting worse and there’s too much risk.

Wicaeed

Right now I'm like 15% cash, with another 40% of my non-taxable account sitting in SGOV atm, rest in equities.

Eclectic_Beer_Tap

Then just buy some SGOV and shit-post here.

MagicJuggler

Got assigned for Franklin Resources. I am selling a covered call and chilling. I may also start allocating some money from SGOV to agri ETFs. We need food

kinkycarbon

With 75% of my portfolio in the index funds and SGOV. I’m 2% down versus the 3 indexes. It would be larger if that was 75% stocks.

MagicJuggler

I have 50 shares of SGOV in reserve. I am writing a July covered call on my Franklin Resources shares, and maybe shorting TMF to hedge my TLT. That or rolling down some new puts.

Elegant-Display-5228

In general, with SGOV I wouldn’t think about it as “sell on a certain day” so much as “what am I using it for?” It’s mostly a cash-parking vehicle, so the bigger question is liquidity need, settlement, and whether you’re moving into another position soon. The monthly distribution timing matters for who receives the payout, but it doesn’t create free money because the price adjusts around it. So I’d focus less on gaming the exact date and more on whether SGOV still matches the job you want it to do in your portfolio.

Accomplished_Way8964

I sold all my SGOV to buy more high risk stonks. Call me an idiot.

DinnerNo5925

SCHD is a div etf. If you’re young or got 15+ years, just go VTI 80%. You can DCA each month. Keep it in SGOV to get interest before you buy each month. Maybe have a very small hedge in gold 2%, you can use IAU and some in a growth ETF like VB. VXUS is good for international exposure but the war and what is happening in America right now is going to impact everyone.

Dependent-Bluejay289

Right now, SGOV 70%, 30% VOO. When things get better switch these investments. 70% VOO, 30% SGOV

csallert

First off 9k is not an emergency fund for a 112k income, should be more like 30k Second you said safe so assuming risk averse, this tells me something like SGOV or just plain ole CD's

BagHoldersOfAmerica

I went 90% SGOV on Friday feeling like a chump and everything would recover this week. May be the best decision I ever made

SomePolack

Pulling out the majority of my positions for SGOV/HYSA  Long PL, RCAT, ONDS, RTX, COP, EUAD, and some secret stocks y’all aren’t ready for 

BagHoldersOfAmerica

Market will hit all times highs next week because I went 90% SGOV Friday

CompetitionDouble480

Retired no pension, no house, moving to SGOV and cash except for Google and its weekly dividend paying fund GOOW. This proxy war with China that Trump started in first term is the reason we are in Iran who is key to success of China’s Belt and Road project into Africa.

Southern_Roll_7035

SGOV, as an ultrashort treasury fund, is the definition of risk free. To get a better return, you would need to take on some risk. You could take on duration risk by buying longer term treasury funds (such as VGSH, VGIT, and VGLT for short, intermediate, and long term bonds, respectively), where your principal isn't at risk, but if rates rise, the value of the fund will dip temporarily. If you are wiling to take some credit risk, you can buy a corporate bond fund (like VCSH, VCIT, or VCLT) which will pay a higher yield but risks some credit losses, particularly if the economy goes into recession.

Wood_Ring

Up just under 70% YTD. Most of the account is in SGOV; the rest is all options trades. Considering moving some of the SGOV portion to a couple of index autocallable ETFs since it seems like a decent time to be averaging into them.

Snoo_67548

I just liquidated some money market positions because the rates went down and loaded up on some SGOV as well as free cash to pick up more RITM and a few of my other Covid darlings.

AnselmoHatesFascists

I've been buying more, almost every time the market is down 2%, I've been buying 20-30 shares of VTI. Some of it is just reallocation, as I'm selling SGOV to free up cash. I'm 47, so I have no worries that buying at these levels will work out in 10, 15, 20 years.

No-Dust-1722

SGOV has been my best performer YTD without even counting payouts

JiffyDealer

You can put that profit in SGOV and restart back to $10k.

BagHoldersOfAmerica

Monday biggest green day all year because I went 90% SGOV today and sold all my longs, you are welcome!

Singularity-42

What about some basket of different safe bonds ETF, something like SGOV, but a blend of currencies?

NYGiants181

Always keep some SGOV

StagedC0mbustion

What’s better than SGOV right now for risk free?

Hot-Yam-444

I’m doing 50/50 split of SGOV and buying more Nvidia

djan242

I would do the same but we are prioritizing for a house so just putting money in SGOV until we can make a 20% down payment. Then back to market I go

corundum9

Cool, I'll continue to add my SGOV funds to the market. I feel a lot better about buying stocks and ETFs currently than I did at the end of last year.

MonkeyCube

SGOV? Super low risk and pays a monthly dividend. Might be something to look into. It's a good place to park cash if you don't have access to money market.

corundum9

I'm doing the opposite. I had been 30% SGOV and now I'm deploying that slowly into the market. I'm about halfway through it.

basementdweller263

Appreciate the detail. A couple thoughts: • SGOV vs VTIP: SGOV is basically rate exposure (cash like), VTIP adds inflation linkage but can still move around because real yields change. For your “must be there” money, SGOV/T bills still makes sense. VTIP feels more like a small sleeve in the 2–5 year bucket rather than a core cash substitute. • AGNC: I’d be careful treating it as “low volatility” capital preservation. It is an mREIT with leverage and rate/spread risk. The dividend looks stable until it is not. If you want income with less blow up risk, I’d personally rather keep the short bucket boring and take risk only in the long bucket. • If your max pain is ~10% over 5 years, a simple framework is: – Bucket 1 (recast certainty): SGOV/T bills/CD ladder – Bucket 2 (flexibility): mix of short duration plus a modest equity sleeve (VXUS or SCHD) sized so a bad equity year doesn’t break the plan If you’re open, what rough % of the total is “must be available for recast” vs “nice to have for opportunities”?

BagHoldersOfAmerica

Tempting to just go SGOV before the big kahuna hits

sandman2986

Staying cash/SGOV seems bad now, but it also seems like the safest option.

FistEnergy

Selling most of my stocks 2 weeks ago and going heavy into SGOV will probably be the smartest trade I make all year.

Iunatic

Could already do it for a long time already by buying SGOV. Nice that I don't need to do this workaround though

SirGlass

SGOV is basically holding cash . I really do not see it as an investment its a cash equivalent >Wjat are your strategies in today's market? My strategy has not changed at all, it was the same strategy in march of 2020 or the later recovery or the 2022/2023 rate increases Keep buying mostly low cost index funds as always

greytoc

SGOV is a ultra-short duration treasury fund. It's effectively a cash equivalent generating the 30 day risk-free rate. What exactly is your question about it?

No-Dust-1722

You’re absolutely right that I’m looking for capital preservation with some flexibility - I wanted to keep the post more general and fundamental so it wasn’t just people telling me to buy gold and bitcoin (you see how well that worked) Those buckets seem sensible. I’m currently 80% SGOV and 20% other short-term, mostly AGNC because it has a monthly dividend and low volatility. From other comments in this thread it seems VTIP has some advantages over SGOV so I’m considering that in the mix. I do have some tolerance for volatility in the short term bucket but I think less than is required for the S&P in its current state. VXUS and SCHD seem to be more stable/drawing down less than other ETFs but also seem able to capture at least some upside if equities start running away again. I do have a target amount for a recast but that plan is very tentative - it’s honestly just my “no better ideas” plan because reducing bills just makes life easier. The 2-5 year plan is really about financial flexibility, but housing is such a huge part of that that it is difficult to treat it separately. I think I’m more interested in capping overall draw-down - I think we could handle a 10% loss within 5 years without risking other opportunities. I figure that’s like a 70/30 SGOV/VXUS split (or similar) but I haven’t spread-sheeted it yet.

basementdweller263

Totally fair. With a 2–5 year “might need it” window, I’d treat this as capital preservation + optionality, not a perfect stagflation hedge. I’d bucket it: • 0–24 months: HYSA / T bills / SGOV (keep it boring) • 2–5 years: mostly short duration, with a small slice inflation sensitive only if you can tolerate volatility. Key is sizing what must be definitely available for a recast vs “nice to have.” Quick question: do you have a target amount you’d want accessible for a recast, and is that 2–5 year capital mainly for housing flexibility or investing opportunities?

No-Dust-1722

Our household has good long-term investments and sometime this year we will be debt-free with a very conservative emergency fund. But it’s possible I’ll need some additional capital available in the next 5 years for alternative investments. A recast or refinance would be one of those alternatives, although it’s a 50/50 if we will be in the same house with the same jobs even 2-3 years from now. I don’t really trust the stock market within that time frame, but that’s also a long time to sit on cash, especially if changes to monetary policy affect HYSA/SGOV rates. You’re right that good diversification and rebalancing is key, but I’m not confident I will know what that looks like when the time comes.

MagicJuggler

Waited for the last few minutes to reload my 87 May 15 puts for TLT. Sold two CSPs, 85 for April 1st to help offset the costs. Also sold my BIL and some SGOV to accept a CSP assignment.

Warm_Pianist4879

me whos in full ported SGOV, straight billin

LongCucumber3710

I’m so confused. Buying puts on SGOV.

interstellara_

I'll be upfront with you, I've been rethinking VTIP after the latest ppi numbers don't match cpi. Had it in there because it beat the HYSA but I'm moving to VGSH/VBIL (VBIL Is close enough to SGOV with lower expense ratio because i'm in vanguard in a taxable for this) after the next dividend payout, so 2 weeks-ish. husband's in tech so his job isn't guaranteed and kid is 3 years out from college with an okay-but-not-great 529 (i didn't want to park everything in the 529 in case they didn't go to college) so job loss and college expenses could be major factors in the road ahead, and I have planned accordingly. You need to look at your 5 years ahead and see what bond fund could make sense for you or if it makes sense to have anything at all aside from an efund, for most folks it might not, aside from maybe a house fund, and then be willing to shift as factors shift :) stagflation is going to be about riding the waves, and by asking these questions and keeping your ears open, you'll be okay.

thenuttyhazlenut

SGOV, bro, you're the only one who's been good to me

Woah_Moses

It’s better for taxes SGOV are state and local tax exempt

LostandConfused2024

In the past three months, I’ve made 33k in gains. To deal with my delusions of grandeur, and to calm myself down, I’m putting all of my money in SGOV for a few months to chill out. So fucking happy I broke even boys!!!

MelonBeefChop

Full port SGOV

yolo_astronaut

So SGOV or what?

EmbarrassedWish5839

Dude zoom out on the chart. You dying tomorrow or what? So fucking what if it goes down. You know what happened after it goes down? You own great companies and you have a new opportunity to buy them at discount for potentially 6 months. Good shit. I’m going to be buying 1k per week until we recover. After we recover, I’ll fund my vacation. For now, stocks on sale. Your real question here is whether you should bitch out and sell everything, and then spend hours on your apps each day fighting your FOMO of when to get back in, most likely losing yourself another 5-10% in rebalancing short term gains and shit. Everyone knows that when it reverses that’s 10%-20% in a day that no one is good enough to time it. You think you’re Yosemite Sam enough to do it, or what? When you’re this nervous? Everyone knows private credit is bad. That doesn’t mean you take losses or taxes on hundreds of thousands of dollars this year instead of letting it compound. Sure - maybe you can sell out and buy back in a few dollars less but you’re gambling to do it and if you miss, you’re going to feel FAR worse than sitting tight and not paying taxes on short term pussyfooting this year. Either buck up or sit in SGOV, or do half and half. Go read Warren Buffets book “Snowball” if you want medicine for this

Woah_Moses

just put it in SGOV don't both with HYSA

MikeyTubes

Oh, I’m not brave enough to gamble on margin like that. I had enough cash sitting in SGOV to cover the assignment when the time came.

OtherwiseBase5003

I mostly got out of vxus and went to into SGOV just as the iran war started. Concerned that Chinese banks and other international stocks would drag it down. That said I'm curious when it might make sense to get back into vxus. My plan was to move more into VOO starting June. Other countries will likely have a harder time with oil.

LostandConfused2024

Really think I might join the SGOV and chill gsng

LostandConfused2024

Is it time for SGOV and chill?

No-Dust-1722

I agree with a lot of this, I also have a significant position in VXUS and it has been doing pretty well. Thanks for the tip on VTIP, it looks interesting, but I’m not sure I understand the difference between that and short-term treasuries like SGOV? Is it because the rates are adjusted differently?

Dear-Original-1024

Same thing happened in 2022. TIPS aren't bad, but SGOV is better in this scenario.

No-Dust-1722

I don’t see any benefit to CDs over treasury equities like SGOV, am I missing something?

SomePolack

Bruh I keep $1k in my safe with silver and gold, 10x that in SGOV

Fhyzikz

I made $10 today. (SGOV +chill) No stressin didn't even look in a trader's direction as I ran the intersection

Cav829

You would now have made money on SGOV than putting your money into the S&P for the last 6 months.

biowiz

More dip buying!! And get to still benefit from SGOV 😎

subfloorthrowaway

You can just do VT as a conservative bet, which is basically 60/40 VTI/VXUS. I like 70/30 VTI/VXUS personally, but all-in VT is fine too. You are very diversified with this. If you want to be even more conservative toss in 10% BND or VBIL or SGOV.

Fhyzikz

Powell gonna clap bull cheeks today tbh. I am all cash/SGOV so I have no horse in the race atm but it seems obvious that he will say economy is fucked and a long term oil surge like this will limit them. I can see at least -2% by eod

Ninja_Cooter

Look at a daily candle chart for SGOV