SGOV

jjha66

If I have to liquidate SGOV, the best time is to sell right after the monthly distribution? Thanks.

jjha66

If I have to liquidate SGOV, the best time is to sell right after the monthly distribution? Thanks.

HolaMolaBola

SGOV is a teensy bit less expensive for many people. Trading spreads between SGOV & VBIL are close but VBIL carries a higher premium paid on each trade. previous reply to someone else: [https://www.reddit.com/r/ETFs/comments/1rqz6ml/comment/o9vx5hc/?context=3](https://www.reddit.com/r/ETFs/comments/1rqz6ml/comment/o9vx5hc/?context=3)

Dstein99

The private equity issues aren’t even illiquidities. My understanding is investors agreed to put their money in illiquid investments, private equity funds can provide the liquidity but contractually aren’t required to, I believe they have been providing more withdraws than they’re legally required to and are well funded to cover those requests, but it’s not that they can’t redeem requests, they just aren’t required to. All Blackrock funds are in separate accounts and Blackrock can not legally commingle their SGOV funds with any other funds. If their private equity funds lose value they’re more likely to dissolve the fund than to use SGOV funds in anyway. I use SGOV and Schwab’s Money Market (SWVXX) but this isn’t a T Bill fund. The difference between SGOV and VUSXX to me is more Mutual Fund vs ETF. The yield difference is .09% 3.54% vs 3.63% which is $9 for every $10,000 per year. Frankly it doesn’t matter, just pick one I would go with if you prefer to have an etf or mutual funds, but I wouldn’t take into account a .09% difference in yield when this number changes.

greytoc

Your worry about Blackrock is inconsequential. SGOV is an ETF and all ETFs are structured so that if the investment manager fails - it doesn't impact the fund investment. As for the differences - you have to look at the duration of the fund. All three of the funds that you mentioned as effectively the same as ultra-short duration treasury funds. Usually, someone investing in cash and the interest rate markets is going to look at the duration based on their interest rate thesis. Regarding your comment about liquidity - while a mmf is required to have liquidity requirements - both SGOV and VBIL are open-ended ETFs and they have the exact same liquidity profile. Re: cap - gains - one advantage of a MMF is that there are no cap gains and wash sale rules don't apply. One advantage of ETF's is that there is no 30 day restriction on marginability.

Electronic_Bee3134

Fair enough, if I didn't have fractional shares enabled, then that would be a very different case. It's surprising though that there are still brokers that don't offer fractional shares on US equities. I have IBKR and Ally Invest, though the latter just acts as an augmented savings account for my Ally account (all in SGOV). Interactive Brokers offers fractional shares. Ally doesn't, so for Ally I specifically do have DRIP on to maximize my SGOV holdings.

CuriousCat511

SGOV is an ETF, so you can buy and sell immediately during market hours, whereas VUSXX is a mutual funds that can only trade once per day after the market closes. For that reason, I think SGOV actually has better liquidity. As for the capital gains, it's a non-issue because short term capital gains are taxed at the same rate as dividends/interest.

sarvaga

CDs and SGOV.

Sirknowit

Down 7.5% since this foray began. I made some adjustments to prepare for any storms ahead. About 27% between SGOV/VBTIX. The rest in US and International ETFs. Should get me through. Not touching (besides a few Roth Conversions) for 15-20 years.

Putrid_Pollution3455

Oh my god. No. If anything start beefing up your emergency fund until you can sleep at night. I use short term treasury fund USFR but BIL and SGOV are popular too.

CraneEternal

I’d like to chime in right about now and say there comes a point in your life where perhaps you’re a senior person and you no longer appreciate the volatility of the market and perhaps you don’t enjoy seeing your portfolio changing by your annual salary in a single day. People constantly talk about buying at a discount when in a market down trend, but what are you doing when you’re no longer interested in buying at all and you’re interested in retiring? It’s perfectly acceptable to recognise when there is a bad government administration and that its policies are negatively affecting the value of your portfolio for the long-term. In a situation like this I recommend selling the assets that you believe are most prone to volatility and exchanging them for government bond ETFs such as SGOV. Expect tiny NAV changes (~0.1–0.3%) at most, however, with any federal reserve rate cuts your income declines over time even if principal stays stable. However, in a declining global economy the silver lining may be that your principal gets a chance to stay relatively the same while you do receive some income monthly even if it’s only 3.75% to 4%.

Natural_Note5282

SGOV isn’t 100% treasuries and your brokerage likely won’t give a separate line item for tax exempt dividends. Makes it a little more hassle to do your taxes. If you buy straight from the feds at treasury direct, you don’t have to worry about this. That said, you can get better rates with some HYSA than you can get for t bills even with the tax break. My HYSA interest is taxed at 9.3% in CA. My HYSA with 4.1% beats my t bills at 3.7%, but only slightly. Do the math and see if it’s worth it.

Homefree_4eva

Which is roughly the same return you’d have had in SGOV.

kinkycarbon

If anything, Everyone’s money in an index fund has controlled losses versus purely equities. I got cash in SGOV ready to go on this sale. I’m still contributing money my 401K and Roth. Everything is a a discount. Until the economy crashes into the 2nd Great Depression. I will continue to contribute to the 401K and Roth.

Yvese

Stick it in a HYSA, SGOV, or a Fidelity CMA.

Yvese

Pretty much what I'm doing. Monthly dividends, immune to market volatility and can easily liquidate if/when you want to buy back in. Anyone letting their cash sit is doing it wrong. Park it in SGOV or if you're really lazy and have Fidelity, their CMA is fine too.

Yvese

Any reason why you wouldn't just put it all in a fund like SGOV? You'd at least get money back monthly for parking cash and can easily sell if/when it's time to buy back in.

chfr

The simplest thing to do is to dollar cost average in. Don't dump all 200k in at once - pick a period of time (ex: 6 months) and do weekly deposits. The full 200k should sit in a treasury bill fund like SGOV to maximize your interest rate prior to putting money in the market. For such a large windfall, I'd probably recommend taking something like 10% and letting it chill in bonds in case shit really hits the fan.

No-Dust-1722

SGOV gonna be my top performer for April I can already tell

oxcart77

Put the cash into SGOV.

groceriesN1trip

I went full port into SGOV two weeks ago because this shit is crackamania

dogefool88

My story: 2026 started with a loss on AAPL calls and that gave me good sense. Put 100% cash in SGOV, asked Schwab to allow me level 4 (level 3 in Schwab) options with margin and started selling options. Not a single day in red for last 3 months

Galactic_Barbacoa

VG, BRKB, WM, SGOV. When we enter correction territory I’ll buy more and maybe some Coca Cola. When markets hit 20% down I’ll snap up some more and maybe gamble on Microsoft.

ArcDogRob

Hello SGOV my old friend, I’ve come to park money into you again

StraitOfHummus

Maybe throw into SGOV until you feel the bottom is in.

Level_Counter3062

And they laughed when I went SGOV in Feb lmao

Dstein99

Fisher Investments found in a study done in 2017 that there is about a 47% chance of your portfolio being down any given day, around a 37% chance of it being down any given month, and about a 25% chance of it being down any given year. The market is down 47% of the time, it isn’t healthy if your emotions hinge on whether the market is up or down. If you’re can’t go a day without looking at your performance you’re invested too aggressively and there is nothing wrong with not being 100% aggressive guns blazing. Someone invested in something like SGOV doesn’t care what the WSJ says, has no worrying about the market, and has outperformed the market by around 7.5% YTD. What good does it do to worry about something you can’t control?

newtownkid

SGOV? I've got quite a bit of that. A nice safe place to chill.

Practical_Rip_953

I am typically a DCA kind of guy and think timing the market is a losing game but I sold everything and bought SGOV right after we started bombing Iran. I think there is still a lot of pain ahead but desperately hope that I’m wrong.

SomePolack

Projected inflation for the year already over 4%  Even in SGOV you’ll still lose money this year FUCK 

FistEnergy

Up 1% for the year. Sold everything except BRK.B the first week of March and put it in SGOV. Timing the market doesn't work for individual stocks because you can't accurately predict what will happen without insider information because you don't know enough material information to make a good bet. Timing the market absolutely works with global events with understood effects and consequences. It worked fabulously for me at the beginning of COVID, when I understood what was going to happen, and I was downvoted for my convictions. It happened again this month, and once again I was correct. Do not confuse "you can't time the market" with "you can't make money by paing attention to the outside world".

TheGeoGod

Short term bonds like SGOV

EmbarrassedPart1256

I’m just waiting for $EONR to announce an offering to finance their growth & once that settles I’ll gladly enter; I want at least 100k shares. Also waiting on $ITP’s ER. Any sign of a turnaround in their numbers & I’d buy 100k shares there too. Just holding $CAPS (super bullish) & $CTM (retail fakeout? Massive breakout? It almost feels like they’ve intentionally been radio silence for so long) & a big bag of cash for now; my $SGOV shares are seeing gains 🥲. It’s hard watching so many stocks pop off day after day, I’m just not in a place to take huge risks anymore. Remember that what goes up can come down, to take profits, even if you believe in the stock long-term. I learned it the hard way & hope you don’t have to. Also remember that the person calling out a stock on here could hold 100 share of said stock. I truly hold 250k shares of $CAPS & am beyond convicted.

Awkward_Ad_5102

SGOV and chill

MelonBeefChop

Is it time for full port SGOV & chill

sattlerreader

Interesting. SGOV would be the only duplicate investment in both accounts. I will keep that in mind though in the future. Thank you.

groceriesN1trip

I went 95% SGOV two weeks ago. Trump is a madman and shits going down 

Alone-Razzmatazz9309

Anyone in all cash is likely new to stocks, maybe slightly uninformed. I have about 80% of my portfolio in SGOV right now. Right around 200 shares

LostandConfused2024

Thanks man, I appreciate the insight advice, and the acknowledgement and a plan. I was reflecting on it today, and I was just like it doesn’t even feel real that I have 100k now, it feels like numbers in a video game. Your entire analysis is spot-on, and quite frankly, I think it’s something I’m going to roll with. Right now I just put my money in SGOV, because I need to chill out and bring myself to reality. Making 60k in one day without seeing it physically is some shit. Again, thanks for taking the time to talk to me. No empty platitudes here; I mean it. Good luck trading man!

citybreeze83

interest rates up bonds down. Except for SGOV because it has almost no duration risk

GoldenAries4

I think it’s shaping up to be an SGOV or HySA year instead of a SPY year for long term portfolios. Inflation is increasing, fed might get hawkish, and yields will go up. Made the switch today 🎉

GoldenAries4

SGOV is looking so cozy this weekend.

StraitOfHummus

> SGOV Low key treasuries about to go up and have been rising so this is not a bad spot.

LostandConfused2024

Deleted the Robinhood app after putting all my money into SGOV. Time to chill for a few months to see how things play out

jgoldston_0

My 457b is all in… with bi-weekly contributions immediately invested, always. My personal brokerage is 50% SGOV. Couple months ago folks would tell me I’m missing out. Looking like a good plan as of today.

Livueta_Zakalwe

SGOV

MaybeTheDoctor

No emergency requires cash the very same day. Keeping your emergency fund in SGOV or Money Market Fund at 4%’ish only delays the withdrawal by a few days.

Dracomies

SGOV is what I'm doing

thermoDYNAMIC7

SGOV ftw

mw4365

1st thought - I see no less than a few almost exact posts everyday and I understand the stress of losing out on retirement/money/etc but do the people making these posts browse through all other ones and decide they just want more of the same dialogue and discourse? 2nd thought - the money I have in investing in the market right now is money I hope to live long enough to see/use in 20-23 years. That was my why, thats the plan, me fucking around with it and moving it around every time there's a bear or bear-ish market is how people get wrecked and lose out on gains. Fortunately the situation I've landed in I happen to have a good deal of cash as I'm deciding on whether I want to buy a house or if whether I wanna hold on to some cash(in a CD, probably, SGOV won't help me as much in a no income tax state anyways) bc cash feels good in a real icky world and I have my short term and long term money sorted out and it it's buckets. perhaps a good experiment for you would be to watch the market daily for a longer time than you have, you described...the stock market, particularly the past couple years. There are plenty of 1-2% green days. There are a bunch of .5-2% red days. Really! almost every week. Surely more red than green lately but if you're investing for what most of us would say is the right reason...you're just getting things on sale right now.

Ancient-Bat8274

So…buy SGOV and CDs?

No_Fig_7835

At least I can count on SGOV being green :\*)

BreakfastLeft55

Yes. SGOV is an ETF, so can be sold any time of day, not just end of day like SNSXX. Though it still has to settle before you transfer. In practice not very different.

sageguitar70

Went from 75 percent stocks to 40 percent. The rest in SGOV and IGSB.

jules083

Good to hear I'm not the only one. I'm more like 75/25 in favor of SGOV. I don't think it realistically matters much one way or the other though.

AnalyticalAlpaca

That’s actually what I’m doing with half my emergency fund. Other half is money market. SGOV in theory should be a bit more efficient.

Report_Last

I agree, I was out of the market pretty much since Trump was elected, dropped my money into SGOV, I have now taken Sep puts on Starbucks, betting on poor earnings and discretionary spending declining, and then more puts on XLY. Inflation numbers leave out food and energy. I was going to buy puts on Best Buy, but decided to go with XLY, an ETF that tracks consumer spending. Gasoline prices have yet to peak.

Howdoyouusecommas

Cash instead of bonds or a bond ETF like SGOV?

BigWarning8696

Its pretty bad when your port is a mix of diversified sectors, TLT, and metals and the only thing up in the port is SGOV

jules083

I have some money in SGOV for that reason. May or may not be the best move, I honestly don't know. Any advice or should I just keep doing what I'm doing? Seemed like a good place to park money. It's just emergency fund savings, as long as it roughly keeps up with inflation I'm good with it. More worried about it not tanking if the market drops.

New_Bad_8760

SGOV is a safe alternative to cash and very liquid

Electronic_Bee3134

Unfortunately no sweep option in my broker, no interest on the first $10k in cash. But then again, I don't let the cash stay for long (and whenever I know I'll have cash for a period of time I just buy SGOV). Why drip over what I currently do?

Immediate-Finding454

SGOV

Singularity-42

I'm like 23% SGOV and 12% BRK.B (which has a big treasury position too). I've been like that for a while.

Practically_Hip

My retirement is mostly aggressive stock portfolio (managed by advisor). My self brokerage funds are about 80% SGOV and MM. the rest individual stocks and options trading capital.

GreasedSled

Just cheaper in SGOV?

dizzlebizzle23

SGOV until this whole situation settles a bit

crazybutthole

Can you contribute the money and invest instead into a money market account or a fund like BOXX (sells box spreads) - it makes 4.++% annually and every share goes up 1-2 cent every day. Assuming $40k You would make ~$7 per day ($200 a month/$800 in four months) - even just investing it in Treasury fund like SGOV or similar? I get wanting to wait to invest in sp500 or similar......but there's no reason to wait to invest the money into the sep. IRA

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