SGOV

veryken

VTI is just the total market. Buying into it now is equivalent to believing the market will go up from this point onward — in whatever timeframe you expect, which, if you say “always scared” with 300k, would mean a very long time. What we know is that many big investors like Buffett have recently (last year in his case) liquidated and are sitting on cash such as SGOV. Unknown is when they’re going back in. Meanwhile, pundits are screaming and crying “overvalued.” Go figure.

greenpride32

Long term track record of the SP500 is roughly 10% annual average return per year. When I say long term, I'm talking 90 years of data. At 10% annual rate of return, you double your money roughly every 7 years. SGOV is currently yielding around 4% (I'm rounding a bit to keep it simple). At that rate, it takes about 18 years to double your money. Now the rate is going to to be variable, but it's not likely to approach 10% for any extended periods of time. And more likely it's going lower than 4% in the near term. Factor in life expentency and it's clear one mechanism is meant for wealth creation, and the other is meant for wealth preservation.

VegetableBowl9258

SGOV’s great for parking cash short-term, but long term it’ll barely beat inflation. If you’re holding for 5–10+ years, gradually rotating into something like VTI makes a ton of sense. Just automate it monthly so emotions don’t get in the way.

fallingdowndizzyvr

> One thing I am facing now is having a few Thousand (7k) sitting idle waiting for an opportunity. If it's your dry powder, then you keep it sitting there. Since by putting it in a fund, like VUSXX or SGOV, you won't have instant access to it to take advantage of an opportunity. You will have to wait a day. And considering how fast things move, waiting a day could be too late.

rackoblack

Keeping 10% or more cash or cash equivalent is important for active traders who are researching daily to find the next buy out there. That's not most investors, by a long shot. Put it in an investment. If you want it to preserve value or think stocks are overvalued right now, SGOV, FLRN, PULS are good options. If you want it to grow aggressively (with more risk of downside), VT or VTI. You've always got credit cards (not carrying a balance obviously) to use immediately and give you a full month or so to raise the funds by selling something.

beautiful_my_agent

For SGOV it looks like you buy on the first and sell on the 30th?

OUEngineer17

I put cash in a short term Treasuries ETF like SGOV or GBIL. Yield is higher than my HYSA.

Any-Cup8629

I don’t. The only money I leave sitting is that in my HYSA emergency fund. Seeing money sit in my brokerage makes me feel like it’s just wasting away, I’d rather just throw it into VT or hell, even SGOV

Misaiato

My rule is I keep it in SGOV. I was buying treasuries manually for a year, and I decided that that was more effort than just buying SGOV for the same or perhaps slightly less return. It also created more forms at tax time, and having everything centralized from Schwab is less effort. I keep about 15k in that, another 40 or so in HYSA and laddered CDs. The CDs are timed to mature just before I have to pay property taxes each year.

notreallydeep

>Unfortunately you cannot short the bonds (atleast not us retail investors). You can short ETFs, though. TLT for long term, SGOV for short term.

Used-Commercial203

Emergency funds should be parked in SGOV or a HYSA. Not investments. If $100k fell into my lap right now, I would put 80% of it into SGOV, and 20% of it into JPIE, then I would sit patiently waiting on a market dip before buying up any actual stocks/ETFs. We are currently hitting all-time highs in the stock market, I would highly suggest that you *do not* invest all $100k at once in the current market.

SunRev

I sell CC and CSP during these conditions: Slight bullish. Sideways. Slight bearish. For very bullish conditions, I buy calls. I avoid selling CC or sell CC at extremely low delta (about 0.05); if the premium generated is too low, it's not worth my time and effort. I'd rather buy calls (0.80 delta) to make leveraged gains. For very bearish conditions, I'm out of the market. I just put my cash in SGOV.

Helpful_Ad_8662

What you can do is buy $1k of SGOV funds to earn a free ~4% back in bonds

PizzaCatTacoUno

I would recommend two things… 1) instead of HYSA at 3 something %, do treasury bills (or SGOV) at 4 something % return. 2) as many comments are suggesting here, average invest your money into equities over time (maybe 2 year horizon and increase the amount in case of dips).

TheBarnacle63

SGOV would be my second choice

GaylrdFocker

That's the past number, not the current. It's 30 day yield (4.13) is almost the same as SGOV (4.18).

TheInkDon1

I was just quoting SGOV's yield as stated on [Yahoo Finance](https://finance.yahoo.com/quote/SGOV/). That's per-year, of course. You're right, they should be over on r/thetagang if they just want to sell CCs on stock. (Maybe there they'll learn to CSP into stocks they want to buy.

Outrageous_Plum5348

Still diversify. VOO, SGOV, JEPQ

G4M35

SPAXX or - if tax is an issue - SGOV

123supreme123

Sell naked puts OTM on a variety of stocks that you like. Essentially it allows you to earn options premium without being on margin or having to pay margin interest. I utilize most of my buying power and currently maintain 10% cash in SGOV.

123supreme123

Sell naked puts OTM on a variety of stocks that you like. Essentially it allows you to earn options premium without being on margin or having to pay margin interest. I utilize most of my buying power and currently maintain 10% cash in SGOV.

TheInkDon1

I'm with you on everything you've said. Just wanted to explicitly point out for u/opeboyal that with SGOV paying a guaranteed 4.69% right now, that's a guaranteed income of $3,376 per year. (Less if/when SGOV's yield goes down.) Then he'd have 70% of the 72k, or 50k as Buying Power for stuff. 'Stuff' could be shares, where if he buys a quality something that's marginable (BBAI doesn't qualify, but things like DELL and VRT do), he could be getting 3x the buying power. (NOT 'using' margin, but the lower Buying Power Reduction in a margin account.)

mars_trader

Please do not listen to this guy. He is spewing nonsense. Please do not use margin to buy SGOV (you lose money guaranteed) and do not buy options using margin (incredibly risky). This is the type of comment you ignore

mars_trader

You make no sense. SGOV yields 4.5% while margin costs 5%… you lose money buying SGOV on margin

somethinlikeshieva

hm so currently SGOV is atleast better than hysa, ill look into it. roger and pi bank are two that i know of with 4.65%. and thank you for that calculation

Hon3y_Badger

I hold SGOV for my emergency fund, anyways thanks for a civil conversation.

xiongchiamiov

SPRXX exists, but FDLXX is the one closest to SGOV.

hgreenblatt

My advice GET OUT NOW, 72k sounds great. With that kind of capital you should have a margin account and here is why. My answer is always the same, get a Margin Account (Schwab , Tasty, IB platform not for me) , you are pissing away your leverage in a Cash Account. If you have the money (25k but 60k better) to trade options (90% of those responding only have 10k or less). You can Sell Puts , Calls or Both on Amzn, Appl,Googl, Bidu, Nvda, for 2k-4k Buying Power. If you get Assigned take the loss close out the stock and move on, or ROLL Forward in Time for a CREDIT. Also you can BUY SGOV , get 70% Buying Power on that and interest every month. If you can afford to tie up part of that SGOV cash for 3 months at a time you can get over 90% Face with Treasuries. Selling Treasuries before maturity could cost you a "haircut" , Sgov does not suffer from that. Key:: Always keep 100% of the BP as backup for a Down Move, so if the BP is 10k, keep another 10k as backup. Follow Tasty mechanics , Sell at 45dte, close or roll by 21dte, have a profit target in 50% area. Do not Sell 40 Delta Puts... I rarely do over 20delta, 30delta is ok but you will get tested often. How can this be , everybody on Reddit is wheeling! Try these Tasty vids to see what most Reddit users do not know or worse understand. [https://ontt.tv/3jAf4Ba](https://ontt.tv/3jAf4Ba) Buying Power Factors Oct 28, 2020 [https://www.tastylive.com/shows/tasty-extras/episodes/a-refresher-on-bpr-06-29-2020](https://www.tastylive.com/shows/tasty-extras/episodes/a-refresher-on-bpr-06-29-2020) [https://ontt.tv/2CLbOjn](https://ontt.tv/2CLbOjn) What Affects Buying Power? Nov 14, 2019 [https://ontt.tv/JeGVN](https://ontt.tv/JeGVN) Short Puts vs Covered Calls vs Poor Mans Covered Call Jul 9,2024

osheamat

Is SGOV producing more than HYSAs? Does it have state tax benefits?

qwerty12341991

What about FDLXX vs. SGOV?

Londonskaya1828

Not a very exciting market right now in the USA, Warren Buffett is not buying and he is very bullish long term. Why not invest 25K every 3 months, hold the rest in BNDX and SGOV, both yield over 4 pct?

MoonBoy2DaMoon

If you want a simple answer, yes SGOV is a better(if not best) place to store emergency money, savings or park money before investing imo

SetOk6462

Assuming you mean SPAXX. SGOV is still better, SPAXX is about 50% state tax free. Both options are still taxed at your marginal federal rate.

xiongchiamiov

There are plenty of high yield accounts around. That being said, if you have access to a brokerage account already, VBIL or SGOV will likely give you more than any savings account, and the interest is free from state taxes as well. It's a very convenient way to hold short-term bonds. Or your broker's money market fund would similarly work.

ordersetfire

I’m in exactly the same spot. Letting everything sit in SGOV until TACO tacos again.

Fiveby21

SGOV is basically the 4 week T-Bill minus 0.1%; SPAXX is the 4 week T-Bill minus 0.4%. SPAXX is a core position, SGOV is not (it has a $0.01 bid/ask spread per $100). SGOV is better for an emergency fund or savings; SPAXX is perhaps more suitable for cash that you're regularly trading with.

quantumoutcast

I don't know why this is downvoted so much. 3% taxes are 3% taxes, and I'd rather not pay them if I can. Right now SGOV is higher than most taxable money markets, so the effective tax yield is even higher. Which high yield savings account are you finding for 4.65% now? Most of the really high ones turn out to be temporary teaser rates. However, the 3% isn't really subtracted from 4.65%, it is multiplied. So your after tax yield is 4.65% - (4.65% \* 3%) - 4.51%.

Tackysock46

You’ll see the price per share increase throughout the month until it reaches ex dividend date. One ex date hits it will fall the amount of that month’s dividend. I kinda like using SGOV instead of a HYSA because it’s almost like I’m getting interest daily.

cptn_stickinthemud

Yup. Slightly higher yield than SGOV.

Kachowxboxdad

If you think sideways is next then selling CCS can work out great I’m waiting w 75% port in SGOV, I think we will get a dip

180Degreez

I invested half of my annual salary into SGOV as basically my emergency fund. The rest is invested elsewhere starting with a Roth outside of my company match in my 401k.

Still_Title8851

Or TFLO. I like TFLO a little more than SGOV right now. I wish Fidelity would do better with the dollar market trades. Also, TFLO is half the price if you’re doing whole share numbers.

paragonx29

Check out BINC over SGOV. I do keep transitory cash in SPAXX.

XXXMrHOLLYWOOD

Yeah I ran a few tests and it just doesn’t have consistent downward pressure like the long side has that makes it so strong You need really strong long drawdowns and they just don’t happen consistently enough to make it worth it Some instances it worked and others you would lose too much, I think it was like a 50/50 or less so for me I am just going to use SGOV when not long

Based_Commgnunism

SPAXX works like cash. You can withdraw or spend from the account and it will automatically liquidate SPAXX and give you the money. Fidelity will even send you a debit card for your brokerage account. SGOV you need to sell the shares and wait for the money to clear before you can use it. You pay a slightly higher fee for the convenience of SPAXX and therefore your yield is slightly lower. If you don't think you'll ever need to access the cash on less than a couple days notice go with SGOV. Personally I keep 10k in SPAXX and carry the debit card so if I run into an emergency I can spend it immediately. And everything else I keep in SGOV (or just buy t bills directly).

pdhouse

Why keep cash at all and not just keep SGOV? Seems like keeping money on the table

Icy_Professional3564

If you need the money quickly than HYSA, which has a variable rate and could go up or drop to 0. If you want to lock in today's interest rate then buy a bond or CD, which also locks your money up a little. SGOV also has a variable rate, usually better than an HYSA and easier to sell than a bond/CD.

Inside-Welder-3263

SGOV

yoshiatsu

SGOV 30-day SEC yield as of June 26 was 4.18% (source: https://www.ishares.com/us/products/314116/ishares-0-3-month-treasury-bond-etf)

G4M35

> SGOV: 25% Why so much in cash? > VOO: 35% Good > VXUS: 15% Good > SPYI/QQQI/GPIX: 25% (even split) LOL. You know already what people are going to say, and that's why you posted, to rattle the cage. I am not going to take the bait. You do you.

SirGlass

Its not worth a $5 fee, as others have said you can invest in a Money Market Mutual fund or a fund like VBIL/SGOV that will give you approx 4.2% currently Paying $5 to get an extra 0.3% for 60 days is probably not worth it unless you have a million dollars

CarlaCyclamen67vo

SGOV has higher yield, but SPAXX is safer.

WJKramer

30 day sec yield of SGOV is 4.18%.

G4M35

"Better" in this case is subjective and depends a lot on your tax bracket. Last week, after some research, I switched from SPAXX to SGOV. Unfortunately you can't select SGOV as your cash position at Fidelity, so you need to do buys/sells. Keep in mind that SGOV is tax-free at the State and local level (I live in NYC).

DeeDee_Z

> I have 20k sitting in SPAXX and I’m wondering if SGOV is a better place for it? Expand your horizons a bit: Also consider SP**R**XX and, if you have the minimum for it, FZDXX. As of yesterday: • SPAXX 3.95% • SPRXX 4.01% • FZDXX 4.13%

therealjerseytom

Yes, there are returns over various time frames. Anything based on very short-term bonds, their return rate changes nearly instantly with interest rates. There was a time, within the past year, when short-term rates were around 5%. They've come down since. The distribution yield over the past 12 months might be 4.61%, but their 30-day SEC yield is 4.17%. Around 2020, when interest rates were nearly zero, SGOV and SPAXX were both like 0.05% or maybe even less. SGOV versus SPAXX is splitting hairs to some degree. If you're at that level and wanting to squeeze out whatever extra bit of yield you can, you could create your own series of auto-rolled treasury bills. Like a stack of 4-week treasuries, bought once per week for 4 weeks and continuously rolling. No fees or expense ratio with that, so maybe you eek out a little more. But it's all going to be very close, and change very quickly with interest rates.

TrucksANDmotorcycles

I noticed SGOV moves from like $100.15 to $100.75 then back down to where it started. Why does it do that?

SillyLilBear

You are better to put your emergency fund into something like SGOV that is a bit more stable.

entor

broseph you can easily make like 50% better returns without additional risk putting that into SGOV (especially if you live in a high tax city and state)

Dylanb993

I’m not entirely sure I’m understanding what I’m reading, hence the question. But when I click into SGOV in fidelity, I see 1, 3, 5 and 10 year rows, with columns named NAV return and Market Return. Both under 1 year say 4.98. I do also see something called “distribution yield (TTM)” that has 4.61% next to it.

therealjerseytom

> Based on my understanding of the numbers, SGOV is about 1% higher yield? 3.98% in fidelity SPAXX, vs 4.98%? Show us where you're seeing SGOV having a 4.98% yield.

er824

I don’t think the spread is quite as high as you stated but SGOV does seem to have a bit higher yield then SPAXX. It’s also going to be state tax free.

smashnmashbruh

As another business owner, if it’s just you, consider an owner 401k tripped my contributions. If you got employees it’s more difficult and I would stay SEP. I moved everything but 2 months of cash to SGOV. It’s t+1 and I never need the emergency cash that day.

xiongchiamiov

Keep the house downpayment in SGOV. Put the rest into a more bond-heavy portfolio this time, 'cause that was hardly anything (imagine the same amount of doom and gloom for but _years_).

throwaway17612d

I had the same issue. Buy SGOV for a slightly better rate and T+1 delay for mental disciple.

doseofl

Ahh gotcha, I seen something about SGOV being a safe % just like a HYSA or some sort. Would you say that’s true?

solariac

SGOV is 4.2% so it's not anything spectacular lol. But Robinhood is legit

Chitown_mountain_boy

SGOV is currently like 4.6. Super low risk and state tax exempt if that applies to you.

Newbiewhitekicks

They really shouldn’t be giving this kind of advice. QQQ is a higher expense ratio version of QQQM. Both of those are a marketing gimmick by the NASDAQ. There’s no reason to want just 100 arbitrarily selected non-financials that trade just on the NASDAQ. But, 5 years isn’t a long timeframe in investing. You might want to look for HYSA, CD, SGOV, treasuries, and those kinds of things.

SirGlass

Basically short term treasuries , you can buy yourself or simply buy a fund like VBIL or SGOV

Tippity2

Just reducing the anxiety factor of being in a volatile market during this administration is worth a bit. I like selling on a perceived high as a means of backstopping drops. Market will rise and fall regardless. The overall progress one id planning for should be long term. Certainly take your money out of stupid places, such as companies that can go bankrupt, for whatever reason. What bothers me most is the overvaluation. Super high P/E ratios and unnecessary volatility cause concern. People want to know safe places to park their money. And not everyone (e.g., late stage retirees ) have long term investing in mind. Buying a stock with a P/E ratio of say, 10, means that the stock will pay for itself in dividends in 10 years…..*if there is no company growth/shrinkage*. Trying to just outpace inflation by using safer places than stocks, like SGOV, is not helping when the U.S. debt is crazy high and the rest of the world no longer thinks of U.S. Debt (e.g., SGOV) as a safe place to park money any more. So U.S. dollar is of lower value, making all other countries’ money of more value than pre-DJT2.

Glad-Veterinarian365

I’m in SGOV not cash but yeah agreed

Nickarus

Answering my own question after a little homework & time with an LLM: This is not a "free lunch" and not a strategy I would endorse or pursue. I was confusing myself over how tax loss harvesting is applied. If you do invest and lose all of the $20k as suggested in the original example, you ***could*** use that to reduce the $80k in profit/gains down to $60k, but you would still need to pay taxes on that reduced net capital gains at the given STCG rate ($60k x 0.25 = $15k still owed on April 15). That would leave you needing to find another 15k to satisfy the tax man. So, it's not like a casino where the house gives you chips to "use or lose" - you'll still owe the house (just less) if you blow your tax obligation funds at the roulette wheel. I'm going to continue down the path of "setting aside" gains owed to Uncle Sam, but doing so specifically by parking those funds in SGOV - a manner that allows those funds to grow modestly with very low risk and with tax advantages on the interest income.

Nickarus

I'm not an expert but here is what i do: With every sell event, whether there are gains or losses, i maintain a running tally of my projected tax obligations through the year. i also include rows for "anticipated" sell events that haven't occurred yet (using a different font in the spreadsheet to differentiate). i presently treat the net estimated tax bill like an emergency fund, and make sure that amount is maintained in SGOV (or an HSA), where it is going to make appreciable tax advantaged gains each month and is not subject to big market swings/volatility. this gives me peace of mind... but it's probably a little more conservative than necessary on further thought... if hypothetically you dump gains required for your tax bill into something like a penny stock or an Enron that could lose all its value, WITHIN THE CALENDAR YEAR, then that commensurate loss would offset and eliminate your original capital gains... so it would seem like a no risk opportunity (investing with Uncle Sam's money) if you consider the original tax obligation a "sunk cost" otherwise.... a caveat to this logic is you don't want your risky investment to tank on or after Jan 1, or you'll be stuck with the original gains & tax obligation from this year even if your funds disappear. curious to hear others' perspectives... i feel like i must be missing something with this idea.

RandolphE6

You aren't supposed to invest 100% of your money so you have nothing left over to live your life. Set some money aside for vacations and whatever else you need. SGOV is a good place to park money you plan on using in the short term but still gain interest. HYSA for anything you need more immediate. Interest is a little lower but quicker access to funds. Money you put towards your 401k etc. is money you don't need immediately so you can let it grow and ride out any market volatility.

Heyhayheigh

I like SGOV with banking so the transfers are instant after the T+1. Places that let you buy auto and support fractionals are nice. Some people like options which certain brokerages do it better than others. But they all pretty much do the same.

jimbokhan

I keep a higher balance in my checking account that worst case could float me 2-3 months or just be a cashflow buffer if all bills hit at once. The portfolios have almost no cash - I have about 20% SGOV right now, i.e. next best thing to cash, but am looking to re-invest that percentage.

bossasupernova

Time to take some profits in the retirement account and move into SGOV.

WJKramer

WF cash account works just fine for emergency cash. SGOV is a treasury ETF and a little less liquid cause you have to buy and sell but also has its advantages like a majority state tax free when compared to HYSA interest. Both taxed at federal level though. Maybe a mix of both? You can buy SGOV at WF in the stock investing account.

Sad-Side-8704

I’m heavy ish cash like 30% in SGOV so I’m getting a good yield - moved a bunch during Iran / Israel conflict + upcoming tariffs. Would love to put some to work but may just sit on the sidelines while my other plays run

Glad-Veterinarian365

I timed the top perfectly and then got chicken on buying back in. Still mostly in SGOV so not dying to inflation but missed an easy 25-50% gain

TheGRS

I sold a good chunk, like 25% of my brokerage, I stand by it. I am DCA’ing back in slowly. I also put about 10% into SGOV as well. There has never been a day in the news for the last 6 months where I feel confident in the short term of the market. My retirement accounts were untouched and will continue to be, I’ll admit I was thinking of moving that around more around the time of Liberation Day, but the TACO trade held out.

DFV2025

Actually it made me rethink everything and get more diversified which is a good thing. I have cash parked in $SGOV getting a decent return and have a plan to get back in a chunk at a time which I've started. Overall I don't think it was a terrible move for me but I probably won't do it again. Hope the world doesn't go to shit though, but if it does we're all fucked anyway so who cares?

Verb_Rogue

Oh haha, okay so same/similar to US treasuries or something like SGOV. Thanks!

KemShafu

Did the same. SGOV and EU ETFs, although I did pick up more Nvidia when it was near 100. I also bought SVIX at the lows because it has to go back up sometime. I’m already retired so live off of my portfolio. I can’t afford to weather Trumps Taco Tuesdays.

NDN-null

Technically, it does matter when you buy or sell, but only in terms of classifying income as capital gain vs. dividend. The price of SGOV goes up over time to account for the future dividend payment that will come. Then, when the dividend does get paid out, the price of SGOV goes down by that same amount as the dividend. Consider the start price at $100 at the beginning of the month. Let's say that SGOV will pay 0.4% monthly. Then, by the end of the month, the value of SGOV will be $100.40. The next day, it will decrease to $100, and you will have a dividend payout of $0.40. But if you bought it at $100 and sold it at $100.40, you will have a capital gain of $0.40. If you sold it the next day, you would have a dividend income of $0.40 instead of a capital gain. I think the capital gain would still be subject to state tax, but the dividend would not be. So that's your difference.

snotick

I'm one of those people. Why would I need to admit that I'm wrong? I retired early at 50 (6 years ago). I had 90% of our money in the market. The day after inauguration, I moved to 90% cash, CD's, SGOV, and dividend funds. We locked in over $100k of gains in January. If you think the market is going to continue to go up, then you should keep your money in the market. I have much more to lose than someone who's in their 20's, 30's or 40's. Trump was a wild card throughout his first term. I expect the same for the next 3.5 years. I'm still holding out until 3rd quarter. We have to navigate the tariffs that have impacted businesses. Those numbers won't have an effect until the end of Q2 and into Q3. If I'm wrong, so be it. I have enough money to live comfortably for the rest of my life on 4% annually. What I don't have is enough time to make up the losses should Trump decide to go off the rails. One size does not fit all.

DeeDee_Z

I have my "allowance" for the rest of the year already teed up, and holding in either SGOV or USFR. It may turn out that creating that much cash in Feb-March will not have been necessary after all, but at the time it seemed "prudent". (But: I'm retired, and now living off my previous investments.)

ratedsar

There's still time as long as you didn't cash out to USD in January.  Even SGOV is ~ to SPY YTD return until Tuesday. And if you chose IAU or CHF, you're ahead.

ratedsar

Depends what we sold out of the market for...  IAU has still 3x outperformed SPY YTD and didn't have the big drop. SGOV has slightly underperformed SPY YTD thanks to the last month, but if you were perfect and moved to SGOV at SPY 613, then those investors are still 2% ahead, and you never had a dip. My sell points to an IAU/SGOV mix were at SPY 600 and SPY 560, and I migrated back towards SPY at SPY 520 and SPY 550.

Bryaxis_D4

anyone else sitting in SGOV or something similar and completely out of the markets?

rdaman2

Correct. I re-assessed my allocations at a terrible time. For money in a taxable account that I was holding while actively looking for a house, I should have been in SGOV or money market. My mistake was making that change on the worst day possible in possibly the last two years.

SpartyNash

60% in HYSA, SGOV, I-Bonds. 30% VTI. 10% VXUS.

cosmoskleas1

Sure I'll share. I actually was mostly cash since about Nov 24. Other positions were about 15-20% gld and some ibit. Exited mostly out of ibit from rally but kept some along with foreign and small cap ETFs. But most of it is in SGOV. I've beaten inflation and a 10% annual return so far, not going to cry over "missing out" because there's a limitless amount of opportunities I could have missed out on. I'm pretty happy waiting and not worrying with all of this risk floating around. I know I couldn't sleep at night knowing my investments are up to the whim of emotional volatility not backed by reason.

Rib-I

This is what I did. I did briefly hold more SGOV than normal just to see how things shook out and I have no regrets. I also upped my 401k contributions a bit to essentially "wait out" this nonsense. I am only now dipping my toes back in in terms of my taxable account and I am primarily just gonna go into VT because I am tired of trying to make predictions with such an unstable loon turning tariffs on and off like a friggin lamp. If there's growth anywhere in the world, I will get a piece of it.

weasler7

I was previously running a triple leveraged ETF portfolio for my HSA based on a back test from portfoliovisualizer. Deleveraged that portfolio in February and bought BRKB, IVV, and SGOV. It was a good call when things were extremely volatile in April and May. Now, it’s doing better than an only US portfolio but obviously underperforming if you hold ex US developed. I increased my gold allocation around the same time in February to 8-10% as a hedge against dollar devaluation and treasury market jitters. it’s been doing great.

No-Sympathy-686

I bought the dip so hard that my brokerage account is up 300% Already took 100% and put it in SGOV House money now.

MaxwellSmart07

4% in cash/SGOV. 0% stocks. 96% alternative investments outside the market. I’m retired. My private credit investments are bringing in approx 13% fixed. The market is wild and wooly.

bsgreeson

50% parked in SGOV earning monthly yields. I think the market will continue to climb but it’s just a matter of time before we see a correction. I know you can’t time the market however I made some sweet gains this year because I had cash to take advantage of sell off in March.

SpaceCatVII

Wait.. your guise are down voting SOXL but not SGOV? lol