SGOV

realMagick7777

Is it wise to sell my $SGOV and buy 0DTE? Need fat stacks for my sugar babies

realMagick7777

What instruments are the cash equivalents? I’m just parking in $SGOV 🥺

Various_Couple_764

Keep in mind if you lose your job you might be unemployed for more than 6 months. I strongly suggest allongside sgov invest in tax efficientdividend funds to: 1. Keep SGOV full at 24K. 2. And build the dividned fund to more than 30K a year of income using tax efficient funds. Funds such as GPIX, EMO, UTF NAC 3. provide money to start a ROTh account.

Various_Couple_764

Max out your 401k invest in goth and dividends. fill SGOOV to 24K Then start investing in dividned fund GPIX 8% yield, EMO 8/5%, and UTF7% and NAC 7%. Uzs the dividends to keep SGOV full. otherwise reinvest all dividends The purpose of the dividned is to eventually replace your cash emergency fund with passive income of 30K or more a year. All of these funds Pay montly and they genrate qualified or ROC dividneds which means you pay significantly less in taxes tha you do . NAC is CA muni fund with is state tax free to CA residents. If you do well with your dividned funds it could allow you to retire well before age 60. Dividends could also be form of unemployment insurance if you lose your job.

Shadowrunner138

I'd re-invest a significant portion in to something less volatile like a boring ETF and only put part of it in to something like SGOV, if two or three years of salary was handed to me I'd want some of it to work for me. I'd certainly take some unpaid time off of work that wouldn't use my vacation time, maybe find a reason to take FMLA for a month, lol.

boglemydingleregard

Cash is regarded. At least let it sit in SGOV or something.

_Underscore_Unders

SGOV is the safe choice. If you 5 years out and i were you i would put half in sgov and half in voo. Keep an eye on the market though incase something crazy happens and you need to go 100% SGOV. But more importantly I just want to say that purchasing my home cash and not having a mortage is the BEST decision I have ever made hands down. Your clearly trying to be financially responsible. Take however much your expected home price is going to be (in assuming quite high), take the average.mortage rate, and do the math on how much your actually paying for that home in 20/30 years (try not to get too upset). Its probably more than you think. Even if for 15 minutes, please give some though to using that 400k for a starter home, investing well, and purchasing your final home outright, or atleast with 50% down to mitigate the drain that interest will inflict upon you. Another thing I'm grateful for is not buying more home than I need. Most people don't think about the maintenance and upkeep on space they don't NEED (im using this term literally). Really analyze how much home you need vs. How much home you want.

ahabooo

This looks really good, congrats! I would only modify 1 thing, while building up emergency fund i would max the roth ira every year (only 7500). You can take out the money you put in (your base contributions) at any time without paying taxes or penalties in roth IRA. So it could be used as emergency fund as well and all your gain is tax free. You can start with SGOV, then once you have enough emergency fund in the brokerage account you can switch to VOO Look up the money guy financial order of operations. I am non US citizen as well, all the tax advantage account in the US can be managed outside US. Everything is online these days

dogs_gt_cats

You should have a "fun money' part of your budget, you're allowed to live, just be sensible about it. If you like to travel set some cash aside for it. I would make the following tweaks: 1. Modify the 401k contribution such that you can afford to fully fund a traditional IRA *POST TAX*, and then do a Roth conversion (backdoor Roth) in the new year. Keep it maxed. Reason being a 401k is limited to what funds are offered, an IRA you can invest as you see fit. 1. Once the IRA is fully funded, continue maxing out the 401k. 1. In addition to your plan for your emergency fund, I'd strongly recommend setting aside 1 month of bills worth of cash in a savings account too. SGOV is great (I use it myself for 6 months of bills) but sometimes you need cash immediately and can't wait for an ACH to process. Big ups for SGOV for maintaining a well of cash/deep emergency fund representing a few months of salary. It has treated me quite well. 1. VOO is fine, though I would strongly consider adding some international exposure as well (VXUS is great). Overall your plan looks great, more on the conservative side which is great for times like these (I also lean conservative in investing). Stick with this as the core of your account and it should treat you really well. Automate as much as possible so you don't fall out of your good habits. One thing to consider - I know housing in your area is abysmal price wise, but look up the term "house hacking". At your age it is realistic to pull off, it gets a lot harder once you set down roots. Being able to put down a few percent on a mullti-unit and have tenants pay most of your bills is not a bad deal, and equity is your friend. It's one of those investment strategies that gets harder as you get older with family you can't just relocate. Overall, really well done.

RickDick-246

I would lock in those gains and probably put it in ETFs. And I have. I don’t necessarily want it in SGOV. If I were just going to try to beat inflation and needed that cash in the near term, I’d probably just stick it in my HYSA. If it’s going to remain investment money, I’d de-risk it and go 80/20 VTI or VOO and VXUS. There are a million ways to cut it. You could take half and put it in ETFs, you could take a % and put it in SGOV or an HYSA, you could leave half in individual stocks. Just depends on your risk tolerance.

spilledonwhite

SGOV doesn't count, also google "what is real yield."

Illustrious_Low1903

The catch is that the short-sale proceeds aren't "free cash." You're still paying SGOV's distributions, may incur borrow costs, and broker margin rules can offset much of the apparent benefit. If it looks like an arbitrage, the broker has probably already priced it away.

privatepublicaccount

Boxes are also fixed term which can be nice vs variable SGOV internal rolling or broker margin rates.

Klutzy-Sea-4857

Shorting SGOV does increase your margin debit. You're borrowing shares to sell them, so your broker loans you those shares and you owe them back. The short sale proceeds sit as cash but you still have the obligation. Net effect: you're paying margin interest on the short position PLUS paying out the dividend. You're not saving anything, you're stacking costs. Box spreads at \~4.8-5% are way cheaper than 11% margin + 4.5% dividend payout. Just do the box spread.

porcupine73

If you short SGOV and try to use that cash to buy something else, they will charge you margin interest. The cash isn’t actually available as it has been given as collateral to whoever you borrowed the SGOV from to short it. IBKR just lumps in the short proceeds into the cash balance which is a little misleading; many brokers show it separately as ‘held in short’.

OptionsJive

Shorting SGOV is not really equivalent financing, because you still have borrow costs, dividend liability, margin requirements etc. A short SPX box is much cleaner. The difference can be huge.

Federal_Notice7856

Seems like SGOV is not hard to borrow at all.

Zealousideal-Bug-944

Absolutely not selling. More of my query is to create opinions, thoughts, etc. I am diversified international ETF, TIPS, BRKB, SGOV, FDGRX, AMZN, VXUS, KO to name a few.

ohstoopid1

Inflation depreciates straight cash over time. I know it's only 5 years but assuming 3% inflation over 5 years for this kind of money adds up. I'd go with a HYSA, SPAXX, or SGOV to at least offset inflation.

Southern_Wealth_3605

Gonna put this last and next checks into SGOV instead for the next 3 months

MaddRamm

Put the max you can in a HYSA at your local credit union/bank and maybe have accounts at a couple different institutions. Mine only give me the high interest rate 3.80% on the first $50k and then it drops back down to .05%. They want you to put it into CDs and such if you really have a lot. Beyond that, I put it into SGOV, a treasury/bond ETF that’s like owning short term treasuries and pays out around what HYSAs do, so just under 4%. Its value doesn’t fluctuate like an S&P ETF would. What happens if the market happens to be down 10-30% in a few years right when you are looking to buy a house and your down payment has taken a huge hit. But SGOV pretty much maintains a value of $100.30-$100.70 per “share” and pays monthly so it can accrue faster on the earned interest.

VegasWorldwide

I use all my money that isn't invested in SGOV. extremely easy to transfer. no risk. emergency fund, home downpayment, even cash for bills that will be paid at the end of month sits there.

proteenator

Bro I looked at SGOV chart and thought that the steady increase every month and sharp drop off every month is an infinite money glitch 🤡

DesignerSea494

I had a crazy dream where I threw my entire port into a 50/50 UPRO/XDTE split, reinvesting XDTE yields to maintain the balance, and trimming UPRO into SGOV at 70/30 overweight, then deploying half of SGOV back in if there’s a 20% S&P drawdown. Fuck. I need to stop falling asleep with a nicotine patch on…

EatMoreFiber

I've been forcing myself to trim positions lately to lock in some of these ATHs & gains. Keeping mostly in cash or a little SGOV to buy the dips as they come, but man is it hard to stomach some of these sales.

LanceX2

No. I am now 12 months EF in SGOV. I do have a hard time buying above my dca though buy I try to remember. Every 12 month high becomes a 12 month low.

Minute_Plastic_350

I’m about 4 to 9 years out from retirement just depends on how much I can deal with the frustration with work and I have recently begun to heavily trim my winners and reinvest those into SCHD, VGIT and SGOV to help slow down the growth as well as protect as much as I can these assets from potential market authority

CorpoTechBro

I live in such a state and my best use for SGOV is parking my brokerage account cash there so that it's not doing nothing. For me, it's not really a direct comparison, they just have different uses.

reddit-culous

Nobody holds bonds to get rich or beat the market. You hold them so your portfolio does not take a 40% hit during a market crash, giving you guaranteed dry powder to rebalance and buy cheap stocks while everyone else is panicking. If you are worried about rising interest rates crushing bond prices, shorten your duration by holding short-term Treasuries like SGOV or cash equivalents. Swapping bonds for value stocks is just taking on full equity risk under a different name. Going 90/10 or 100% equities is totally reasonable if you have a 20-year horizon and can handle severe drawdowns. Just base that allocation on your own risk tolerance and timeline, not the fantasy that central banks have permanently eliminated market crashes.

StinklePink

I like SGOV as an alternative to a HYSA. Maybe not to a 40% of my portfolio degree but as a good Emergency Fund stash.

West_Lavishness6689

i mean i am sleeping like a baby. my money is in SGOV so at least i get something. we see what happens around the midterm sept/oct chaos.

Vindaloo6363

Percent is relative to your liquidity needs. I only hold 3-4% SGOV and Cash. Bonds and bond ETFs like BND don’t always move opposite of stocks like in 2022 and can loose significant value.

Beginning_Juice_4296

just lent $15k on Robinhood for 7% yield RISK FREE. yall some SGOV havin ahh mfs

Celticsmoneyline

I get not wanting to be in tech right now, but imagine buying SGOV or a money market fund when you can buy WEN shares for double the yield

anteatertrashbin

This is some pretty dumb advice. Highly risky play for a shitty 4% dividend, and HUGE downside risk, and very little upside benefit. Unless Nike pivots to making AI chips, their stock ain't gonna move much upwards, and can CERTAINLY move down... all for a 4% divi? Just buy SGOV instead then.

InvestInTwinkies

This wouldn’t be the advice I’d give to someone else, but for me personally I’d probably go VT/BNDW/SGOV/PHYS in 50/20/20/10 Someone else I’d tell them it should be in 100% SGOV + maybe a TIPS etf and to simply put aside more than they think they’ll need. The advice to someone else would depend on what the money’s for. If it money for a downpayment on a house then you could probably get away with simply adjusting your timeline or just putting a smaller downpayment down. Situational, but yea that’s roughly what I’d do

Skippy989

SGOV. Three month duration US treasury bonds. You'll get the same rate as an HYSA without state taxes on dividends.

PROMlSED

Suddenly don’t feel so regarded for moving back to mostly SGOV

DoinIt4DaShorteez

Adjusting the cost basis of old lots due to a wash sale does not explain why they aren't buying new lots. They shouldn't have anything to do with each other. However, $30,000 worth of SGOV would not be enough to throw off enough in divs in a single month to buy 1 full share. $30,000 would be just under 300 shares. If the div is 30 cents, that's only $90. So it would take 2 months worth of divs to have enough cash from those divs to buy a full share. Not sure what the mechanism of that would be - would they buy a share once you have enough cash piled up specifically from SGOV, or do you have to hit the threshold every month or else they don't automatically reinvest and you'd have to do it yourself?

learner_1748

SGOV , will be more flexible than a CD. You can liquidate anytime you want no strings attached like CD's

woafmann

What about SGOV? If you always want access to your cash and want stability, SGOV is basically a cash-equivalent that earns about 3.57%. Can cash out anytime you have access to the market.

Izonama

not quite. if you sell between ex-dates, SGOV's price has usually drifted up from accrued interest, so you can absolutely realize a tiny cap gain or loss on top of the dividend.

AyeBathingApe

If you absolutely want to keep the principal without risking anything, but still make money. I would go SGOV

Sudden-Ad-1217

Honestly, depending where you are (state wise, not mental state) $1M in SGOV or VTEB to give you monthly income is not a bad thing. If anything, never touch the principal and let that be your WallStreetBets g00ning money. Best of luck!

bstundr

Because $30k in SGOV generates about $90 in monthly interest, which is not enough. SGOV trades at $100 and change.

Valvador

Cash-equivalent. SGOV, HYSAs, actual T-Bills in rotation. Never actually sitting on dead money.

Valvador

Cash-equivalent. SGOV, HYSAs, actual T-Bills in rotation. Never actually sitting on dead money.

fledgling66

I hear you. I may just start DCAing again in my Roth, but I’m unsure of what I even want to buy and hold at this point. My taxable has been massaged and rebalanced into something as ironclad and diversified as one could, with all the growth stocks up 250-300%. Not touching any of that. I’m not sure what I want to do in the Roth, which is the real reason that I have any anxiety at all. I may just keep most of it in SGOV and do some day trading with the rest. We’ll see.

fledgling66

I’m now 50% cash which is the highest amount of cash I’ve ever been since I started investing before Covid. My entire Roth is an SGOV, but mostly because of a stupid move in a leveraged fund I was wasting my time with in there. In my taxable, I sold anything under 25% profit and put all of that into SGOV. To be honest, I hate the feeling of being in so much cash, but my risk tolerance is at an all-time low after leaving my job and moving 300 miles south. I’m not sure what I’m waiting for, but I am waiting for something to happen before I start investing again.

atheos42

No, your giving the bank your money to profit off it, and then you get a small kickback or dividend, but your money is no longer liquid, exit early and you get penalized. Zero risk to the bank and pure profit, little risk to you, very small profit, your risk is inflation. Skip the CD, just buy SGOV, you get most of the profit, expense ratio of SGOV is 0.09%. or you can open up an account with the Treasury and just buy short-term TBills yourself, pure profit, but not passive, SGOV is passive and liquid.

thenuttyhazlenut

|Ticker|Allocation| |:-|:-| |KSPI|22.75%| |ADBE|12.25%| |ACGL|10.50%| |DR (TSX)|10.50%| |CWL (TSX)|8.75%| |QFIN|8.75%| |PBR|8.00%| |TME|6.25%| |FMCC |5.00%| |SGOV|3.25%| |MELI|2.25%| |QQQ Put|1.75%|

SvenTropics

Honestly, treasuries are almost always a better bet. Open a brokerage account with one of the major ones (ETrade, Schwab, Fidelity, etc...). Transfer the money in. If you want to get savvy, you can buy treasuries and different maturation periods. If you want easy mode, just buy a ETF like SGOV (all short term treasuries, pays monthly dividends). If you don't mind a tiny little bit of volatility, you can get a ETF like TLT (all long term treasuries) You can sell your stake at any time with no penalty. If you have more than $25k, you can make your account a margin account. Then you can also borrow against it at any time up to 50% for whatever you need. No questions asked, nothing on your credit report. Plus CD's are only insured up to $250k per bank. So if you have a lot more, you have to split between banks. With treasuries, you don't have to worry about that. The government isn't allowed to default on them, and you personally own them. As an added benefit, the taxes from the interest income are not state taxable whereas they are with CD's. So, if you live in a high tax state like California, you save a chunk in treasuries. If you are comfortable with risk but want to stay with bonds, check out municipal or government agency bonds or high quality corporate debt.

BarefootMarauder

Putting it in CD's, MMF's, or bond ETF's like SGOV is basically just going to keep pace with inflation. If you want to grow it, you'd have to take on a bit more risk in an S&P 500 or total market index fund.

HHSquad

I turn 65 this month.... I park my cash mostly in SGOV and the slightly riskier JAAA. But I also have plenty in the stock market.

BarefootMarauder

That's why I prefer SGOV or VBIL over MMF's anyway.

Me-Regarded

Absolutely. SGOV is great and so easy

WasteProfession8948

USFR, SGOV, etc. are short-term government funds with highly predictable NAVs. They have monthly sawtooth patterns with a steady rise in NAV over the course of each month as interest accrues on their underlying Treasury holdings. At the end of the month the NAV drops by the exact amount of the payout. Source: Have held these funds in my portfolio for years to park short term money for upcoming expenses and travel. Much easier than individual short term bonds or tracking CD offers and expirations.

pr0prfkt

Just use SGOV. It f you’re going to be eaten up by inflation, it should at least be convenient.

NatureBoyJ1

It totally depends on your risk tolerance and investment sophistication. At 65 (assuming taking SS as a solid income floor), a 70/30 stocks/bonds portfolio with VT for the stocks and SGOV for the bonds would not be unreasonable. Yes, you could split the stocks up into more funds (dividends, small-cap tilt, etc.) and the bonds into international bonds, inflation protected, non-government, etc. but you're quickly splitting hairs and adding complexity for unknowable advantage. There are many sites that provide model portfolios (Bogleheads being one of the better known), and "mostly' bonds at that stage of life is not a typical recommendation.

BarefootMarauder

What are your goals for the money you're wanting to park? If it's just "cash" you want to keep safe and out of the markets, then put it in SGOV, VBIL, or a good money market fund at your broker. No need to tie money up, even for 3-6 months.

DifferentSwing3149

CDs are okay for a small percentage of your portfolio. Now sure what your total portfolio consists of and how much $ you have in total for retirement, pensions, collecting SS? Lots of questions before this can be answered. I would look at SGOV or VUSXX and possibly something like SCHD, VIG to get dividends and some growth to offset inflation.

Emotional-Breath-838

CDs suck. Your money is tied up and it costs a penalty to get out. SGOV or ask AI: which ETFs tracks CD ladders most efficiently?

WasteProfession8948

Bond funds (USFR, SGOV and similar) are fully liquid. Similar to HYSA rates and state/local tax free.

DesignerSea494

Hey casino, if I wanted to go aggressive on a side IRA, would you do 50/50 UPRO/SGOV with volatility rebalance or 75/25 SSO/SGOV?

JoeRidesBikes

Are you going to need the money in two years or is this for retirement? If you need the money when you get back, put it all in an HYSA, CD or SGOV. If it's for long term investing (retirement) put 100% of it into VT or VOO or whatever index fund you desire. What is the money going to be used for in two years? Start there.

Moist-Guava-732

never been a better time to be a bear cant wait to just buy puts an hour after open sell them mid day and repeat before last hour use the theta decay to your advantage stocks dont move at all for hours at a time so just buy before these volatility windows cash out before close which if you use a real broker gives you 15 min after market for Qs and SPY put profit into SGOV

Due_Barracuda_6709

SGOV & CSHI combined, give you right now around 4.25%

Jealous_Bookkeeper20

Using covered call funds like GPIQ for job loss protection usually backfires over a 30-year horizon. GPIQ sells call options to generate that 9% yield, which caps your upside during bull markets while keeping full downside risk in selloffs. That option income also gets taxed at ordinary income rates every year while you're working, creating heavy tax drag on growth you don't need yet.\\n\\nIf you want backup for job loss, it's cleaner to hold 3 to 6 months of expenses in a cash buffer like SGOV. That keeps your safety net liquid without forcing yield drag on your equities. Between the growth options, VGT locks you strictly into tech stocks, whereas SCHG spreads large-cap growth across healthcare and communication services too.

paq12x

Index is 50% of my portfolio; SGOV is 20% (this is where I keep the cash for dip buying, mostly the index dip), so I don't have any single that's too large. My 4 largest positions account for less than 20% of my portfolio (Google is 800k; the other three are around 500k each, mostly due to the recent run-up). I don't know what to do if they become 50% of my portfolio. Maybe I'll look more into an exchange fund (where you exchange your concentrated position for index shares w/o paying tax, but you pay an annual fee). I also look into early retirement (or heavily defer compensation plans) to lower the tax on a particular year(s) to diversify. But the other half of the battle is to get the 401(k) account down to avoid a high RMD, so there's a lot of balancing to think about in the next couple of years.

ShellfishJelloFarts

!p SGOV

bootsupondesk

If your happy and you know it buy SGOV

usa_reddit

Don't hold cash, put it in SGOV.

DrXaos

You will always have a positive total return, accounting for dividends and capital gains/losses. If you reinvest dividends you will come out ahead. It's extremely safe. There is no need to use a HYSA in any bank which will return less. If you are even more paranoid you can buy an actual named CUSIP t-bill to mature at your future date. Schwab and fidelity let you. I just did that, bought a bill at about 3.73% out to october/november. SGOV is about 3.50% (with short duration). Market is pricing in some possibility of a rate hike as you can see.

SirGlass

Yeah but SGOV essentially is almost the same as a HYSA .

Virtual_Secretary_98

Should I put everything in SGOV while waiting for the big crash?

SirGlass

Not at all what is why I said including distributions Sure you can buy SGOV on the last day of the month right before the ex div date Then on the 1st it will fall on the ex div date. I guess you could argue you lost "principal" but for all practical purposes thats a dumb argument as you will get a distribution in a few days that will cover your principal loss

SirGlass

If you plan to hold for a year, there is zero chance a fund like SGOV will lose principal (including distributions) and if it does the entire economy would have imploded

SilverCaptainBuggy

Where SGOV is the most conservative of the rolling bond etfs. Rolling bond ETFs do have some quirks that bonds don't due to the continuous rebalancing of bonds in the fund. If you want no chance of premium loss, and plan to hold for several years then buying Treasury bonds is best. Having said that, yea SGOV likely trades around $100 for its entire existence.

SirGlass

>I understand SGOV has 3 month duration bonds, so lets says rates are raised after someone else buys SGOV, how much will it affect the principal. The simple answer is basically SGOV duration is 0.11, so if rates rose 1% SGOV would fall 0.11% or 0.11 approximately However the real world is a bit more complex than that. The above example would be a completely UN-expected rate hike that came out of left field the market was not expecting. The market is pretty good at predicting rate hikes at least on the short term and pricing those hikes into bond prices. So if the market was predicting this 1% rate hike , when the Federal open market committee actually raises rates 1% , nothing would happen because that 1% hike would have been priced in So for example the market right now, is pricing in a .25 rate hike in Sept with the odds of a hike of 0.67%, its also putting the odds of another .25 point hike in oct/dec at about 50% So lets say in theory these odds do not move (they will) and lets say you buy SGOV 1 day before the federal open market committee meets in Sept and they raise rates by 0.25 points Well some napkin math that is probably wrong but will give you a pretty close estimation is .25 (point hike ) \* .10 (duration) \* 0.33(rate hike was 2/3 priced in)=0.0085% what means maybe SGOV would fall 1 cent temporarily , but then probably rise about 1-2 cents a day as normal TLDR SGOV has hardly any duration , assuming you hold onto it for more than a few days there is basically zero chance you lose money . Note you would also take distributions into account Technically if you buy SGOV on the 30th of the month it might be priced 100.70 , First of ex month is the ex div date so it will fall to 100.30 for example. However you really lost no money as you will get a 0.40 distribution in a couple days

Molten-Helldiver

3.58% if you went SGOV

_zir_

This is why I DCA, its like playing both sides almost. I keep my cash in SGOV and sell it off while DCAing into ETFs and Stocks. Always a safety net but not missing out on runs completely.

singletick

If your state has income tax, then SGOV is technically better. But again, SGOV average is 3.5ish% without tax vs your bank's 4% with tax. If you dont mind some hassle, you can directly buy the bond as the yield is currently 4.2+ % [But only if your state has income tax] if no state incometax I would stick to the bank.

InvestingNerd2020

Any bank's interest rate can get jerked around by the Federal Reserve bank's choices. Some banks, Chase and BOA, make the consumers take the brunt of the hit. Other banks take some or most of that hit and protect the consumer. The bank you are referring to must be the latter. I still have more trust with SGOV due to the 3 month lag and state tax protection.

Moist-Guava-732

>*i just made a grand in less than 10 min by setting a limit to buy 10 SPY 748p for .48 each and set a limit to sell for 1.48 which got filled in about 5 min or so* **^(if i dont hold anything long i dont have to worry about this bullshit pump and dump camel market that makes everything trade sideways and just keep throwing profits into SGOV)** ***^(going 80 percent cash on the next rally and just doing this put strat until we get a legit crash i dont see much more upside that can be missed by keeping money in the market)*** moving to thailand in 2 weeks to start early retirement and will continue to daytrade but now it will be at night so im trading coffee for beers

Nitor_

Maybe 2x/year we have black swan selloff events e.g. the SA fund exploding, Iran War, Tariff Day etc. Buying near the bottom almost guarantees a 20% gain in the high flying stocks. I've considered just holding SGOV and lying in wait.

Traditional_Garlic49

If they do IPO I’ll be doing more protective puts on my positions and taking some profits to put into SGOV.

_zir_

I did stocks first and made some decent money actually but now I do mostly VTI and SGOV. The return is big even though the percent is smaller because the port has grown substantially. Just dont do penny stocks or technical trading those are stupid. Buy stuff you know about.

BaconJacobs

Buy SGOV and ride that lil dividend every month bro The fee ratio is so low

Accomplished_Way8964

Out of all the big tech companies out there, AAPL has become the most stable stock. It's not going to moon, but at the same time, look at the last few months compared to others. That said, if its the only stock you own, I would diversify. But, this also depends on the type of account you're holding them in. Selling half to get into something like SCHD or SGOV may not make sense if there's s huge tax hit associated with the sale.

WorldlyWar2143

its a 3x QQQ etf Sold off a few thousand to free up some margin balance, throw that into SGOV for now. I need QQQ back to ATH lol

WorldlyWar2143

Holding 300 shares of TQQQ just threw 10k into SGOV

NobodyCares127

you may need to take a break, my man. full port into a safe, somewhat secure ETF (SPY, or even SGOV if you want to) and delete the app for a few months. Come back once you're in a better place. I've had to do this several times in my 7 year career

SomePolack

Does SGOV count? 

RagnarokWolves

If you are keeping the full 65k, SGOV currently pays out 3.57% yield and it'd be state-tax exempt. That comes out to $193 a month but you'd have to set aside money for federal taxes from that amount. Also, if you use up the entire income, you'll just lose buying power to inflation over time. Investing in the S&P 500 theoretically would grow it at an annualized 10% but that's averaging out the insane growth years against the bear-market years. (which can last a long time, the entire 2000s decade is known as "the lost decade")

onlylooking4413

SGOV

West_Lavishness6689

participation trophy is all im looking for. \-position: 1.2 million in SGOV waiting for the bottom.

ThinkingOfTheOldDays

SGOV looking like a snack.

ObligationSea2667

\-18.32% now 🫩… meanwhile CXMT is performing well. this is brutal. tomorrow i feel is likely to see extreme downside for the entire semi sector. i literally just de risked half of my $10k position into SGOV for now. SKHY going -30% or more in just a day and a half is fucked

BagHoldersOfAmerica

SGOV outperforming ytd

YTLupo

Short 3000 shares of SGOV to get my payout when it resets on the first lmao