SGOV

Heyhayheigh

So you always pay for the certainty of an annuity. It is not free money. The annuity is a middle man. You purchase an annuity when you have a NEED for certainty are ok with the cost. It’s insurance. You pay for peace of mind. If the decision fits that criteria, maybe. In general I think the best insurance is to just be wealthy. Put eye. You draw down in SGOV. Try to let the nest egg grow on its own. Try to keep the withdrawal rate under 4% and enjoy life.

givemethestars000

I'm young. I moved 99% of my savings into VTI/VXUS/QQQM, and Gold this January. I learned over time that HYSA and SGOV don't give much returns compared to a bullish market. Market is higher risk but the alternative is much lower yields. Not sure what 2026 is gonna look like, but it could be slow and steady upside with moderate to big corrections along the way. With this current administration, it's hard to gauge where things will go. But, IMO, if you're young, take advantage of the market as early as you can; especially if interest rates are lowered. If I am wrong, I'm open to anyone correcting me and giving suggestions.

Furshake

If he had put the 150 mil in SGOV he could be getting 500k a month

GaylrdFocker

> because of the 3.3% interest they pay you for you for uninvested money Fidelity is better but this is not a big reason why. Robinhood gold members get 3.25% on uninvested money I believe. If you don't want RH gold then can put that money in SGOV or similar

Heyhayheigh

Do you have a job? Custodial Roth IRA until next year you are 18. Put in VOO or QQQM and don’t think about it. Get used to buying VOO on auto weekly basis. Sell only when you have something urgent to pay for. That’s all personal finance is. Spend less, invest more auto. Anything you will spend soon should be in your money market or SGOV. Open a Fidelity youth account. Sounds like you will do great!!

Nuvuser2025

I dropped $1,200 yesterday on my $12k investment in GLD etf.  Meanwhile, my $75k investment in SGOV went up by its typical $6-$7 bucks.   I fell for the trap of precious metals, and along with so many others, got rug pulled. 

bam2350

I think you need to be carefully examining some additional questions: Is your (all three of you) current housing situation stable and affordable? Does it require any of the 200K? Does your current 75K salary provide for the three of you reasonalbly? Is the intention and desire of the parents to stay in the US? Can the home in Turkey be rented to create an income stream? A 200K down payment and a 75K salary can buy a home in many markets. Is yours one of them? Better would be a 100K emergency fund, 100K down, and a 75K salary to buy a home -- can that work in your market? SGOV is a good spot to park cash.

jonchillmatic

VOO and VXUS, currently keep cash for downside risk but will move to SGOV or similar when interest rates go down. A few smaller positions in individual stocks and BTC, those going up or down a ton don’t impact my overall picture and I enjoy speculating a bit. A lot depends on your time horizon and risk tolerance, like all investment decisions.

Junior-Appointment93

What are you trading? If 0DTE stop that. Instead try getting LVL 3 options trading. Start with monthly credit spreads. Never trade during earnings or if a company is getting ready to pay dividends. Or instead of VOO and chill. Look into investing in SPYI, QQQI, IDVO, and SGOV. All pay monthly dividends. SPYI and QQQI follow the index’s. IDVO is international exposure with great growth. SGOV is very safe it’s a bond ETF that pays monthly great place to park cash. 25% in each one will give you a nice passive income. Buy Monday while the market is still down. I lost $2600 lost $2600 last year mainly due to 0DTE trading and one bad Cash secured put options play. Study the charts. Pay attention to earnings reports. Pay attention to the Vix. If the Vix is up things are going to be RED. VIX is Down things will be Green.

MyNameCannotBeSpoken

I'm not a fan of CC, but if I were, it looks like SGOV would be safe. Though the premium is tiny.

KareemTheKicker

Short term bonds are now paying more than long term bonds, gold just hit a new high then crashed, the dollar is being devalued, the SP500 just hit a record high this week. Everything is pointing to a correction so I’m using the SGOV as a small gain while things tank, then sell it to buy the dips.

blorg

No, they'll still be the same when denominated in dollars. Just the dollar itself is worth less. If you were a European and bought SGOV with EUR a year ago, you would have lost money due to the exchange rate shift.

KareemTheKicker

I just put 30% of my Roth in SGOV hours before reading this…

E_Riot

After working full time the last 22 years, I've been out-of-work the last 10 months. I was planning to only take a month or two off, but got into investing/trading. I had money in 401k and IRA but never traded with it before, just did growth funds. With all the free time from not working I was able to make the same amount trading as I did when I was working so I never bothered to look for a new job. I think the writing is one the wall now though - time to put all that money into something like SGOV for the next 6-8 months and get back to working full-time. Will be a good time to be starting a new 401k and making heavy contributions at the beginning.

trashthrowtrashlad

I got some SGOV, so yea. If US economy burns in agony in a week, you know the culprit.

spookylampshade

Does this put SGOV in danger or put snsxx in danger of breaking the buck?

Junior-Appointment93

RH is the best place to learn. You will need a margin account. With LVL2 trading. Start with Cash secured puts and covered calls. If you can get LVL 3 trading then credit spreads. Stay away from futures and 0DTE trading both great ways to lose your money. But before you start trading. Buy into monthly paying Index based ETF’s. SPYI,QQQI are 2 good choices. IDVO for international funds. I’m 48 started trading and investing at 45. Not a lot of time to build a nest egg. if you want ultra safe places to keep your money. SGOV,VOO,QQQ,SPY,SCHD and VTI are all popular ETFS. SGOV is a short term bond ETF that pays monthly but you balance never changes until you either receive dividends or add more money. The rest are growth funds that pay quarterly dividends.

Fisher1096

SGOV is up…As long as you don’t look at what USD is doing. 🫣

Trenavix

I'm feeling very smug having a recent heavy holding in ABBNY, and a large reserve in SGOV that I just sold today to buy up some MSFT and SAP. Make moves!

spookylampshade

My only holding that’s green rn is SGOV 😭

MrMoogie

Yeah I’m considering TIPS but the yield is shitty and going down in the short term. If it’s looking like rates have bottomed I may buy some. Agreed about REITS, choose wisely but they will continue to pay, if you choose something with a long enough average lease. O would be perfect as a 10% allocation. SCHD is probably a good bet, a quality ETF. One of the ETF’s focussed on FCF (COWZ etc) and VGK. I’m also holding plenty of SGOV, JAAA, a bit of PCN, some emerging market government bonds. If tariffs are bazookered, taxes will need to go up and I’m hoping inflation will be DoA. We can all dream.

monkeybrainbois

I sold off Monday about 35% of my holding and moved that into SGOV. Going to sit on my hands till an opportunity presents itself between now and when jpow is supposed to be replaced in may. My other holding are all diversified.

Heyhayheigh

ETF in taxable is more efficient. There are no cap gains distributions you can’t control. It doesn’t matter in IRA’s but makes a difference in taxable. If you’re going to DCA, in taxable is the better way to go. Now with zero commissions there no real reason to use the mutual fund version of the index. Diversification is for safety. More risk = more reward. Why would more safety = more reward? The answer is it rarely works out that way. Most people should just VOO and chill. Use SGOV for whatever flexibility they might need in early spending. If you want true diversification and tolerances being professionally maintained, work with a pro. Most people don’t really “need” that though. You figure out if you need help when you can’t manage to VOO and chill correctly (panic sell).

Nuvuser2025

That’s what I’ve done with SGOV.  

SirGlass

If I wanted to earn interest on cash I would just invest in VBIL or SGOV

PennyStonkingtonIII

I just put 35k into SGOV. Everything is so high right now, I don’t see a good place to put it. Here’s my thesis for 2026 : midterms. Between now and midterms there will be volatility. I’m saving money for a big play just before or just after midterms. I recognize that’s a ways out but it’s only just barely Feb. no way we just rip all year.

LewinskySwallowed

That is per month, SGOV dividends are monthly. Currently, SGOV is $100.62 and with a projected interest rate of 3.85%, the annual interest amount would be $3.87 which needs to be divided by 12 months to distribute at $0.32 cents per month.

Only_Mushroom

SGOV was about 4.1% annual in 2025 and about 3.85% projected for 2026. Expected dividend for 5 Feb 26 is $0.32 / share so at a share price of $100.63 / share, $160k is 1590 shares. 1590 * $0.32 = $508.80

LewinskySwallowed

Drop it in BOXX or SGOV and that's an easy $500 a month just collecting interest. Use the $500 a month to play with options and keep that money safe. It's too easy to lose a lot more playing around the way you did (all in), this will help lock your profit and build wealth now. If you drop $160k for interest and keep $11.8k to play with, you will still earn at least $450 a month. Congrats on the win, now protect that money properly!

Shah_an_shah

Dxy is dropping by the minute. I got 30k cash, where to put it? SGOV?

Shah_an_shah

Yo why is dxy dropping by the minute. I got 30k cash, where to put it? SGOV?

Junior-Appointment93

It all depends on your goals. How much you have to invest right now. How much you can set aside each paycheck. Until you figure that out. Your best bet is SGOV. It’s a short term treasury Bond ETF. That pays monthly. It does not go down it does not go up. Pays a dividend each month. IDVO is another good one currently it’s also an ETF that pays monthly. I think around 5% but has great growth. Has done nothing but go up. It’s based on international companies. Or index based ETF’s like SPYI and QQQI. Then there is the cult favorites of ETF investing. VOO,QQQ, and SPY. There on the expensive side that’s their only downside. Any of these choices are good. If you want to trade options start with Cash secured puts and covered calls.

Heyhayheigh

Lol. Op said he already invested the 15k. My comments are for if he is investing, he might as well do it right. Everyone should have constant investing. I don’t care if it is 15% of their monthly savings and the rest goes SGOV for a short term large purchase (like a house). You’re entitled to your uninformed opinions. You’re free to have them. It’s of little consequence to me. Best of luck to you.

Heyhayheigh

Do you add to that 15k on a weekly basis? You sound young, why do you have bonds? Anything that is for a house in 3 years should be in SGOV. You sound like you’re believing someone’s instagram is their real life… You sound young. So you should automate into VOO or QQQM to begin with. Then buy a reasonable amount of one off stocks. You will either make money, or learn the lesson. Just always have the auto with the etf for the major part. We all have to touch the stove. Might as well do it young. I still have fun on the side, but that’s all it is: fun. The major is QQQM auto weekly. Only sell when there is something urgent to pay for. Best of luck.

Aggressive-Donkey-10

if one of them trips and falls, breaks an ankle. That's a 50k hospital bill in the US. Cataract surgery at 20k each eye, x two people. point is, they may not be able to afford to live in US if they don't have Medicaid/care, private health insurance etc. The 200k is easy, SGOV at 3.85% zero risk of loss, any other Bond fund has massive risk of loss, look at performance in 2022.

ReBoomAutardationism

Fidelity account and yield whether that is SGOV or something like JEPI.

Heyhayheigh

Fidelity account, then put in something safe like SGOV. Then educate yourself on personal finance. Maybe talk to an advisor there at Fidelity on the phone, they should have several conversations. You will not be a good person to convince elderly about risk. You personally should be buying VOO on auto weekly basis though. Best of luck!

labowner85

I would suggest to wait for at least 4-6 weeks and let the earnings season plus political uncertainty play out as there could be more volatility ahead which may cause a loss of investment. In the meantime, don’t stay in cash but invest in safe assets like Treasury (SGOV for short term treasury) or AGG for aggregate bond market so you can earn good interest (over 4% APY). I think early March you’ll have better picture on what market is doing to go in. Mag 7 is a good place to be in once there’s some correction in the market. My 2 cents.

SuperCaptainMan

Cash out, put most of it in BND or SGOV and live off the interest

_WhatchaDoin_

I have had the same problem, and I played with a few things. Here are my learnings: 1. Get cash by shorting SGOV. You have to pay the dividend for the shorted shares, which is not tax-deductible. 2. Get cash by shorting BBOX, use it withdraw $. Because there is no dividend, the increased value will create a short-term loss (shorting is always considered a short-term position, regardless of whether you shorted for more than a year), which is tax-deductible against your capital gains (or up to $3000 income per year). If something happens to BBOX (due to its construction and the potential IRS issue as a long position) and the share price crashes, you would benefit tremendously. 3. Create a box on SPX yourself (not SPY, XSP would be okay if you need the 1:10 notional, or a more granular reimbursement of the box). It is not that complex. Lowest amount of fees. The interest rate will be paid in the form of a loss (60% long-term, 40% short-term), which can also be offset against your capital gains. Interestingly, if the rate drops, the SPX positions change accordingly, and in rare cases, you can buy it back a year later at no cost! 4. Take a margin loan. By far the simplest. Your fees will be the interest rate + X%. However, unless you itemize your taxes, the interest rate is not tax-deductible. \--- For (1) and (2), you would need to check your shorting fees for that specific instrument with your broker; it would be a relatively small fee as %, but they can change over time. If you short SGOV or BBOX, you will get additional fees and deductions being tacked on (which mostly cancel each other), and overall the cost ends up a bit higher than a margin loan (but much, much cheaper if you use, say, Schwab). Interactive Brokers is better for these operations, as it is one of the lowest-cost brokers. If you use Schwab or something like this, expect to pay 2x the fees or more. (Margin loan would, for example, jump from 5% to 10%). For (1), (2), and (3), withdrawing $ is a double whammy on your excess liquidity (margin portfolio), because you still have the short position, and you removed the cash. (4) is better for that, followed by (3), then (1) & (2). Having some additional leverage is okay most of the time, as long as you keep it in the 10-20% range (amount withdrawn relative to the full portfolio size). The higher above that, the greater the risk of a margin call if the market crashes (unless you buy some protection, which will create a drag in the long term).

Top-Wallaby-8179

I’d sell SGOV and use cash. Margin + mortgage is double leverage, and the risk of a margin call during a downturn isn’t worth the extra return, in my opinion.

hymie-the-robot

I would think about something like 20 each SGOV, GLD, VT, IJS, DBMF. VT + IJS pulls you away from large cap and tech concentration; on a rocky road it can be advantageous to not be on the bus with everyone else. DBMF profits from relative movements of currencies, credit, commodities, etc., which reduces dependence on that bus I just mentioned, profiting from a different stream than equities.

IsabelleDu10xx

Personally I’d go \~40% SGOV, 30% GLD, 30% VT and rebalance.

LinearSpectrum2026

https://preview.redd.it/exflrd22vlfg1.jpeg?width=1206&format=pjpg&auto=webp&s=68a1904b97a39c73e32b74e408f5a22857c31b7b I count the SGOV as cash

PashasMom

I don't think you need cash unless you are on the verge of retirement. I would reallocate that money to the State Street S&P 500 fund. I would also skip the small caps and allocate that to mid caps instead. And finally, I would go 20 + 5 for international rather than 15 + 10. Or you could just go for something really simple and streamlined, and do 70% S&P 500, 20% developed international, and 10% bonds. I used SGOV as a substitute for the stable value fund in the portfolio backtest, since stable value funds don't really exist in portfolio analysis tools but treasury bill funds behave pretty much the same way. [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=12cHy1K7urTM6ZGwgyPL5S](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=12cHy1K7urTM6ZGwgyPL5S)

skymagic

Gambling it on SGOV yea?

RevolutionaryPhoto24

Huh. I was thinking those were pretty risk-off. Though ChatGPT said I should keep 15% of my portfolio in SGOV!

ATUGA

My best performing investment YTD? My emergency fund in SGOV. 😭

Recent-Astronaut6115

Is SGOV going to be safe?

Bronze_Rager

Down 16% and you're crying? Have you thought of buying SGOV?

FrankDrebinOnReddit

My international exposure is just broad ex-US equities, the not-very-exotic VXUS. I'm choosing to keep the cash that I have (my emergency fund) in US short-term treasuries (SGOV). The dollar dropping doesn't bother me since I'm a US investor with USD liabilities, and since it's my emergency fund I'm not willing to use it for currency speculation.

Dracomies

SGOV.

TWSTrader

**Spent a decade on the buy-side here.** The "Foreigners are Dumping Treasuries" headline is the oldest scare story in the bond market. We see it every cycle. Before you rotate into International Bonds (BNDX), you need to understand the mechanics of *why* you hold bonds and what BNDX actually does. **1. The "Dumping" Fallacy** When China or Japan "dumps" Treasuries, they aren't doing it because they think the US is going broke. They are doing it to **defend their own currency.** * *The Mechanic:* They sell Treasuries (USD) to buy their own currency (Yen/Yuan) to prop it up. * *The Result:* Yields might spike temporarily, but the US Bond market is the deepest, most liquid pool of collateral on Earth. When yields spike, US domestic institutions (Pensions, Insurance co's) step in to lock in the higher rates. It self-corrects. **2. The BNDX Trap (The "Hedge" Cost)** You asked about BNDX. * **The Problem:** Vanguard's BNDX is **Currency Hedged** back to the USD. * *Why this matters:* You are buying European or Japanese bonds (which often yield *less* than US Treasuries) and then paying a fee to hedge the currency exposure away. * *The Math:* You end up with a portfolio that behaves very similarly to US bonds but often with lower yield. You aren't getting the "Dollar Crash" protection you think you are. **3. The Real Risk: Duration, not Geography** If you are worried about US fiscal dominance (debt issues), the risk isn't that the government defaults. The risk is that they **inflate** the debt away. * *The Liability:* Long-duration bonds (20+ years) get crushed by inflation. * *The Fix:* You don't need to go International; you just need to shorten your duration. * **VGIT** (Intermediate) is the sweet spot (5-7 years). * **TIPS** (which you already own) are the *direct* hedge against the fiscal irresponsibility you are worried about. **My Take:** Don't overcomplicate the fixed income side. Foreign bonds (especially hedged ones) often just add correlation without adding alpha. Stick to your US Treasury/Muni mix. If you are truly paranoid about the US debt spiral, the answer is **Gold** or **Short-Term Bills (SGOV)**, not German Bunds.

timhottens

No, SGOV is very short term 0-3 month bonds, there's no duration risk like with 10 year and 30 year bonds, and it continuously rolls into whatever the current short-term rate is. It acts more like a cash equivalent than a traditional bond.

Scared-Signature-452

I have money in SGOV, is that a good thing or a bad thing considering all this?

Jeefcbus

Thank you, yes a few keep mentioning SGOV

NoRecommendation617

Bonds are no panacea. Take a look at the Vanguard Total Bond Fund (BND). It's down from around $87 to $74 over the last 5 years. However, it pays a 4.3% dividend yield so probably closer to break even over that time given the yield. If you get in a shorter-term bond fund like SGOV you can still get most of the yield without taking the risk of loss that a longer-term bond fund would expose you to.

Kachowxboxdad

Feeling a little more bearish today, took 42% of port to SGOV to see if I can rebuy lower I think QXO is a steal right now but my exposure there is through the roof so I have to wait

After-Question3165

I wouldn’t even bother with treasury bonds. There are plenty of ETFs that are basket of short or medium duration bonds that pay you monthly dividends without the hassle. SHY, SGOV, BOXX(1-3 month but reinvests the dividends back into the fund), WEEK are all good options

SirGlass

I mean if you simple lump sum contribute and invest at the beginning of every year you are somewhat DCAing just yearly However considering lump sum investing beats DCAing about 2/3rd of the time; and its almost impossible to tell if today its better to DCA vs Lump sum, if you simply invest at the beginning of every year for 30 years you will almost certainly come out ahead vs DCAing through out the year However you could just buy some money market fund or something like SGOV or VBIL if you wanted to earn some interest

whicky1978

I would’ve been better off buying SGOV 😜. My positions have included TQQQ, TECL, NVDL, GLD, BAR, SOXL and USD. I swap out similar assets sometimes to get around the wash sell rule https://preview.redd.it/9amdyxjqupeg1.jpeg?width=1170&format=pjpg&auto=webp&s=1b7ed045f4f632f461d967574e3ccc84b9621a80

C130J_Darkstar

Put your money into safe havens, SGOV and OKLO

dvdmovie1

Probably not a popular opinion but imo 42% SGOV is more "too heavy" than gold at 18%. I also think there's something to alternative strategies like some of the AQR funds, but again - probably not going to be a popular opinion on here.

DirtbikeForLife

Great post. I invest in VTI and VXUS. My cash sits in SGOV. Moving $7k into VTI tomorrow and $3k into VXUS. Dollar cost average on big dips and moving on. :)

Encryptidd

Do you have an emergency fund? If not, I’d start there. The typical recommendation is 3-6 months expenses in something liquid like SGOV. After that, given your age, something simple like VOO + VXUS so you can diversify across the US/international market. If you want boring set and forget investing check out r/bogleheads

Heyhayheigh

VOO and chill, buy auto and weekly, gamble with the amount you need. Sell only to pay for urgent expenses (not panic sell). You can optimize with backdoor Roth, but honestly just using taxable is fine. SGOV for emergency fund and large known expenses.

BagHoldersOfAmerica

Lmao whoa careful might beat SGOV doing that

C130J_Darkstar

Time to diversify into safe, stable assets- SGOV and OKLO

MutaliskGluon

QQQ puts when QQQ is deep red and EOSE long which is green. Damn 2026 has been baller af up 27% YTD. (selling QQQ puts for a gain and throwing that back into SGOV)

FrankDrebinOnReddit

Sure, but in terms of currency dynamics it works like holding cash. When the dollar weakens against the yen, that applies to your SGOV holdings in the same way as to the cash under your mattress.

MaxwellSmart07

Only approx 7% of my money was in stocks so not very significant. And Yeah, bad timing. I could have stuck it out a few weeks longer, but I had a deadline for another non-market investment to get into returning a fixed 12% so I sold my stocks, but am holding 10% of the 7% in SGOV which is essentially my emergency fund.

FrankDrebinOnReddit

SGOV is US sovereign debt denominated in USD, so it is USD.

Specific-Objective68

Buy some euros or francs or krone along with some gold and silver. I'm actually relocating to pivot careers in fall 2027, so this is vital for me. I also have SGOV instead of USD, which is fine for now, but may change depending on circumstances.

Heyhayheigh

What do you think it’s going to do in cash or SGOV? It will guaranteed be eaten by inflation. Find a trustworthy pro and map out your future. Investing doesn’t end at retirement. Is the plan to die broke? Open a Fidelity account and buy VOO on an auto weekly basis. If you don’t to it, hire a Fidelity advisor to do it for you. If you have kids, teach them to put a higher importance on financial education sooner. You’re still young. But you need to get on this. Best of luck!

FrankDrebinOnReddit

Closer to 1%. Inflation is around 2.7% and SGOV's 30 day yield is 3.63%.

StatisticalMan

There is nothing to explain. The real (inflation adjusted) return on cash invesments (i.e. HYSA, MMF, SGOV, t-bills, etc) IS roughly 0%.

StatisticalMan

The DXY has nothing to do with the prices you pay at the grocery store. Inflation (CPI) does. If you were a multinational corporations then yeah you likely should hedge your costs because they aren't all in dollars. Real return on cash is roughly zero when measured over decades. Sometimes slightly positive sometimes slightly negative. If you have cash in SGOV you are taking a 5% annual loss in purchasing power. Your purchasing power is essentially flat. It goes up nominal 4%, prices go up about 4% you are exactly where you started.

PizzaCatTacoUno

A few subtle methods … diversify, change from high growth stocks to value, allocate more bonds like investments into your portfolio (SGOV treasuries, JEPI… these are investments with lower beta, so if the stock market drops, these take less of a hit). I’m sure the $10M plus club do many other things as well, that I’m not aware of

Zippier92

is SGOV safe?

Rav_3d

Even if you put it all into SGOV, a 99.99% safe fun exempt from state taxes, you will outperform 2.65%. It makes zero financial sense to pay off a mortgage at such a low rate.

Good_Ride_2508

>But with **so many people speculating** that the stock market would stop doing well soon, would bonds be a good hedge or should I invest in Berkshire Hathaway or just keep cash?  As you said, it is speculation, may or may not be right one as no one can predict the future. Bonds will do nicely only when stocks are going for correction cycle (range 10% to 20 or more). Other periods, they are really dull except the dividends/interest they pay. You can watch TLT (long term) or SGOV (Short term). Better is Berkshire, they also drop when market corrects. Cash won't produce except broker interest (if they pay, check with your broker) Gold may do well like bonds when stocks are in correction mode. Or Stay invested in VOO BTW: This is shared for analysis purpose, watch these and understand, then decide whatever you feel like.

deadfishlog

Dang I went 75% cash on Thursday hallelujah SGOV + dry powder ftw this month

charleswj

None of those are valid reasons. If you're saying "because now you can't access it anymore", that's incorrect. Just like a savings account, you can always remove your contributions. If you're saying "because you can earn interest in a savings account", that's incorrect. Just like a savings account, you earn interest (if you invest in safe options such as SGOV). If you're saying "if you invest it, you may lose money when you need it", that's incorrect. Just like a savings account, you can't lose money (if you invest in safe options such as SGOV). All other things being equal, a Roth IRA will actually earn more money than an HYSA because ant interest you earn is exempt from taxes if you don't withdraw it. And the only way you'll withdraw it is if you withdraw all your previous contributions first. The *only potential* downside to putting EF/savings in a Roth IRA is the small penalty you may pay if you do withdraw all contributions and then growth. You'll pay a 10% penalty on the growth portion. If you contribute $7.5k, invest in SGOV, it grows for a year at 3.5%, and you withdraw all of it. You have $262.50 in growth, which is taxed at your marginal rate (remember, this would happen no matter what in an HYSA, so it's a wash), plus a 10% penalty of $26.25. So $26.50 is the worst case, and that only if you have an emergency and have to withdraw everything. If you don't touch it (which is usually what will happen), you'll save the marginal tax ($31.50 @ 12%, $57.75 @ 22%) that you'd have lost in an HYSA. >debt Not sure what this means. You have debt you're paying off? Well then you don't have *that* cash to contribute, uh, because you paid it already. You do still have it? Why? You're accruing interest. Go pay it off, dummy!

Heyhayheigh

Don’t participate in markets: enjoy your vow of poverty. What the people at the top do doesn’t change your plan. SGOV for short term cash, VOO for long term. Don’t panic sell. Plan doesn’t change.

usa_reddit

If you want returns, gold and silver are not the play right now. If you want to keep your cash safe SGOL is a decent place to put it, but for stashing cash SGOV is a good play right now as an inflation hedge.

SlimPolitician

Sooo,,,does it still make more sense to get a slightly higher APY in a HYSA? I live in Maryland, will I actually see a savings on taxes from SGOV?

IdioticPrototype

Yeah, the 3% IRA match is an easy $225 plus you can put the $1k free margin in SGOV or similar to offset the subscription cost. 

Christopher_Ramirez_

Congratulations, you won the game. Now turn off the console. 80% SGOV 20% VTI. Live off the interest.

jadensemiller

Much appreciated! I actually have this portfolio, but my funds are elsewhere. I hadn’t heard of SGOV until just now, so I’ll probably park my cash there

jadensemiller

Oh, that’s very helpful. I hadn’t heard of SGOV, and I was trying to find something just like that before I decided to ask about this. Thanks a bunch!

leaning_on_a_wheel

Don’t invest your down payment. Use SGOV, a money market fund, etc.

usa_reddit

Here is my stack since 12/29/2025 SCHG 45% SCHD 25% SGOL (Just bailed after making 6%) SMH 20% with a 15% Trailing Stop GOOGLE with a 10% Trailing Stop (totally speculative, I think they are going to own AI after the bubble bursts, probably going to sell and wait until the next dip) SGOV (Parking cash here for dollar cost averaging and buying dips) VYMI (Just sold after making 2.5%) COF (Bought it when dropped 10% on Trump's push to 10% APR on Credit Cards, already made 3%, did a sell to cover) The S&P returned 1.5% this year and I am already up 3.5% I am not going to VOO and chill. I am going to be aggressive, buy the fear like COF, chase the SEMIs, and chase the growth with SCHG then use SCHD to keep plowing dividends back into more cash and stock. So far I have beaten the market nearly every day of the year (NASDAQ, DJIA, S&P 500) including today which they were all down and I was still up .07% I am not fanatical about it but watch it at least every couple of days and trade at lunch based on news. My goal is to hustle 20% or better this year and I have 16.5% to go and 3.5% just at Jan 16th isn't too bad. My macro investor friends keep screaming about the Schiller Cape and are predicting a crash around August-December timeframe 2026. Everything is so dynamic right now it scares me a little.

Heyhayheigh

You have it backwards. Roth should have your riskier plays. Taxable brokerage should be boring old VOO and chill. Buy VOO on auto weekly basis. Sell only when you have an urgent bill to pay for. If you’re going to stock pick, leave those long term in your Roth. But honestly everything should be auto. Taxable should have VOO and any SGOV for emergency funds and large known purchases.

MaybeTheDoctor

A broker accounts and you buy either SGOV (t-bills) or BND / FBND (bonds). Emergency funds now get 4% interest and have next day liquidity to cash.

Philarete

> Or just use short term bond ETFs. For those interested, good examples of those are VBIL and SGOV.

ultrachem

SGOV about to get drilled in the anoos once mango invades Greenland

No-Sympathy-686

I should close everything and put it in SGOV for the remainder of the year and crush the market returns for the year... But I wont.... https://preview.redd.it/a2dvtz7o1sdg1.jpeg?width=1080&format=pjpg&auto=webp&s=975007db9be5b0584948e5f1b7dbb680bbbe3f78

Nuvuser2025

Just bought 70k worth of SGOV because I don’t fuck around.

Independent-Drive-32

Here’s what you should do: 1) Sign up for Gold and put those funds into an IRA and get the match. *Make sure you then invest the funds in an index fund like VOO.* 2) In the Gold brokerage account, take advantage of the free $1000 margin. Use the HYSA funds you have plus the margin to buy SGOV. (So if you have $750 in savings, then buy $1750.) This will lead to comparable growth as an HYSA. 3) Apply for a Gold credit card. If they give it to you, this will be 3% cash back on all purchases, which is a better deal than you’ll find anywhere else. Put all your purchases on this card and *pay the credit bill in full every month without fail.* Note that re: 3 they may not give you the credit card. And that re: 2 there will be a margin maintenance requirement; while the $1k margin is free, if you don’t have any other funds in the account they can still prevent you from this strategy, meaning just holding the money in cash in the account is fine. Ask the Robinhood support how this would work in your specific scenario.

Tasty_Panda_8264

It makes no sense to pay a subscription for a HYSA since you can get one for free anywhere else. Or just buy SGOV or a MMF inside of a brokerage. The 3% IRA match is just a way to keep you locked in RH since every dollar you contribute has a 5 year vesting period for the match IIRC.