SGOV

brianborchers

SGOV is the ticker symbol for a particular ETF that holds 0 to 3 month treasuries. There are similar ETFs and mutual funds from all of the low cost brokers.

BagPristine4040

Silly question, which SGOV do you recommend?

brianborchers

It depends on your HYSA but SGOV should be competitive.

Aggressive-Donkey-10

If you find yourself in a hole, step one is stop digging. You don't have to keep digging/putting your paycheck into the sp500 at CAPE Shiller of 40.5, you could 1) put it into VXUS with a PE of about 15 and easily own 6000 foreign companies 2) into 100% safe cash - SGOV at 3.85% with no risk of any capital loss (Buffett has been doing this for 4 years now, with 382 Billion in T Bills just waiting for a crash - he is an ok investor) 3) a collection of BDCs/mREITs/CEFs earning around 10-11% 4) gold/silver ETFs which often outperform in recession or stagflation 5) real estate syndications - get 15-25% checkout passive pockets youtube channel, and biggerpockets website 6) Oil/Gas MLPs, like ET/EPD/MLPX 8-10% dividend yields alone about 100 other things that are easy to invest in and not the sp500 :)

BagPristine4040

Will SGOV give you the same amount (percentage) of money that HYSA is offering?

Slartibartfastthe2nd

SGOV is a short term U.S. treasury ETF that is as 'safe' as anything, pays better than a high yield savings acct, and is completely liquid (easy to get your money if/when you need it). The dividends are also tax sheltered. IMO, [SGOV](https://finance.yahoo.com/quote/SGOV/) is the 'best' place currently to keep emergency funds.

Sad-Debt789

Yup, was looking for this answer and the one about this being personal finance. SGOV is around 3.85% right now? Plus, no state tax on dividends for most states. HYSA still gets taxed on on gains. Dude knows not to time the marjet but still tries to time the market lolol.

brianborchers

Do you live in a state with income tax? If so, you might consider moving your long term emergency fund from a HYSA to a short term treasury fund like SGOV. This should get about the same interest rate without the state income tax.

Fantastic-Ice-1402

How about SGOV instead for your savings? There was a huge correction as recently as 2022 where SPY lost a lot and took a few years to recover. That could happen again.

Heyhayheigh

Your 401k should be set to lowest internal sp500 fund and move on with your day. You could do the same with normal money too. But by your stock picks you obviously are ok with risk and volatility, so Nasdaq is fine. Everyone could literally run on SGOV for emergency fund and either VOO or QQQM for risk on. But I doubt they wouldn’t panic sell. It’s easier when the money is small. Once the money gets big, the urge to panic sell gets even greater. You will learn. Or you won’t. World moves on.

BillBob13

I don't understand the hate here, the #1 rule in incesting is to not lose money. OP, to answer your question, bonds. An ETF like SGOV. You get ~4% apy as a monthly dividend, you won't beat the market (in terms of historical returns), but you won't lose anything if a 2001 repeat happens

TJMBeav

$SGOV till the reset then do both

Lanaloki

If you don’t think SGOV is better than holding cash, you have no clue what you’re talking about. And you never answered OP’s question.

Low-Win-6691

How? Interest rates will go down and cost of living will go up. SGOV seems like a terrible choice

Lanaloki

If they are holding their cash in SGOV then they are mostly protected from value erosion due to inflation.

MaxPaynesRxDrugPlan

Thanks. I'm a new SGOV investor and was wondering as well.

Encouragedissent

/u/SirGlass covered diversity quite well. If growth is your highest concern then 100% in SPY/VOO is the way to go. If you are trying to increase dividends share at the expense of capital appreciation then you can do something like 2/3 into SPY and 1/3 a broad dividend fund like SPYV or SCHD. If you are merely trying to smooth volitilty/ decrease risk a Bond fund like SGOV can take a portion of your portfolio instead.

dark_volter

Ivy Bank still at 4% today, dec 20, 2025- So i've figured it makes more sense than SGOV etc.,etc

wynveen

SGOV

Cramer4President

But if SGOV crashes, wouldn't that mean apocalypse?

DeeDee_Z

> I never researched enough to find out why. I'll take a guess: 1) SGOV usually pays its div in mid-month. 2) Fund Advisor wants money the fund **earned** in December, to be **paid** in December. Thus 3), the second payment is smaller, "half a month's worth". And maybe 4) the February div will be for 6 weeks rather than 4? Don't know. I don't own this position, but I have another fund that behaves similarly.

AllenSmithee59

In January I opened four self-directed brokerage accounts to earn bonuses the brokerages were offering ($150-$300 each), intending to park the money in SGOV for the 90 days that the brokerages required. Eventually I had $40,000 to $60,000 invested at any one time. That quickly got boring. The money was earning slightly less than it was in a HYSA, so I decided to speculate with some of it to see if I could beat the rate of the HYSA. I poked around the web and on X for information about what stocks to buy, settling on AppLovin (APP), Nvidia (NVDA), Aris Water (ARIS), Robinhood (HOOD), Iren (IREN), Hims & Hers (HIMS) and possibly some others. Since then I've bought and sold all of those stocks many times over, along with dozens of others. I was guided by the following: * Lots of reading about undervalued/underweight stocks. * Focusingon quick-profit/quick turnaround possibilities. (The bulk of my investments is in date-timed IRAs, so I'm well covered with set-and-forget long investments.) * One rule: If the stock lost me 7% or more, I sold it all. If it made 20% or more, I took the profits, usually by selling off stocks that were performing less well. (Looking at you, Amazon.) Today, just about a year later, I'm up $73,755. I intend to keep every penny of it, so I'll probably cash out the self-directed accounts at the end of this year. I'm retired and have other things I'd rather do that don't have me sitting in front of a computer all day.

DirtSubstantial5655

At least now you grow some skin for this game. Don’t forget to set aside some for capital gains tax. Put all your cash into SGOV while you wait for the next “crash”.

Nuvuser2025

I need to dump a lot of SPAXX on someone’s face, as it doesn’t put out like it used to.  Thinking of texting SGOV to see what she’s up to this weekend.

BarefootMarauder

I see record date & ex-date are both the same for SGOV (12/19). So if we buy SGOV today, we'll get the 2nd dividend on 12/24? I already had a position, so I got the div on 12/4, but bought more today after making some small changes in my account.

lupindub

SGOV has a special dividend in December where it will pay out twice - once in mid December and another at the end of the month as usual.

iAtty

SGOV.

Different-Volume-129

I’m selling everything and putting it in SGOV. Time to hang up the hat on options trading

retarded-salami

What has happened to SGOV? I saw it dropped to 100.28 Dividend is today?

Skulldrey

Um why did SGOV just fall off a cliff

dullchristmas

Would initially put it all into short term treasuries (SGOV) then slowly re-allocate to be probably 70% total market ETFs, 10% treasuries for dry powder, then 20% into other things (individual stocks, metals, or bitcoin based on the state of things)

Civil-Ad-3617

80% QQQM, 10% TSLA, 5% AMD, 5% SGOV I love tech and am very optimistic in the future of how tech will change our lives.

ladyeclectic79

Depends on what I’d want to use it for. A home or investment property purchase? SGOV until I find something I want. Long term? VOO and chill.

31513315133151331513

I'm gonna catch hate from the Dave Ramsey set, but IDC: There's good debt, risky debt, and bad debt. Any debt with an after-tax interest rate under the rate you can receive from "safe money" like SGOV is good debt. You're making a profit by holding that money. Any debt at a rate that is higher than "safe money" you really feel certain you can beat with conservative investments is risky debt. You may still lose out on it if you're wrong about the investments. That can happen to any of us. It's riskier than good debt, but not a guaranteed problem. Any debt with a higher interest rate than you can conservatively beat is bad debt. Good debt >> free money. Keep it as long as you can and buy SGOV (or similar) with the amount you need to pay it off. Bonus points if you bought an appreciating asset (like a house) or get to deduct the interest from your income for tax purposes (like a house or a business loan). Risky debt >> Neither a guaranteed loss or a guaranteed gain. I would pay it off. If there's one thing I know it's that a sure bet is a very rare thing. The exception to this is if there was spending that had to be done that makes it worth taking your time. Something like a new roof with no help from insurance. Bad debt >> Kill it ASAP. It's just a hole in your pocket.

Heyhayheigh

He should find a trustworthy pro to talk to. He will panic sell if he invests that kind of money on his own. Open Fidelity account, put it in SGOV. Talk to several trustworthy advisors. Don’t be surprised if he has to move as a good one is hard to find. You don’t realize the real dangers with not working your way up to wealth. Panic selling 1 million dollars in 2022 was a 180k+ mistake. If he has never invested that is what he will do. A pro’s fees is far less than that. He needs guidance if he has 700k of debt and no experience budgeting and investing. He will likely blow through the money without help. Best of luck.

MagicJuggler

Today was good. I sold three silver strangles and CSPs for a small profit, parked in SGOV, and rolled my CSPs for Friday and monday. If silver moons, I reposition into a new strangle. If it crabs or consolidates, I reload some calls or play a wheel. Just waiting to see if Japan crashes the market on Friday or if its already priced in.

_galaga_

I recently switched to SGOV. In the Schwab universe SNSXX is also an option. I was using SWVXX until I realized I was opting into MA taxes for no reason.

IDrinkSulfuricAcid

My moves tomorrow are fullporting SGOV.

Glam34

liquid and safe. even SGOV counts

IDrinkSulfuricAcid

I swear, just let me break even and I’ll fullport SGOV. Even VOO is too risky now

Nuvuser2025

SGOV.

xXGokyXx

Well said. He is investing until death, so a very long time horizon. Staying in SGOV wouldn't be an option; it would be just DCA over a year or two, or a lump sum into the market now. He just wants to avoid the potential AI bubble crash.

Acolyte_of_Swole

Nobody knows the future. People make their best guesses about what stocks *might* do well in the future. Unless they're insider trading, nobody knows anything for sure. So nobody knows in 2026 what investments to buy into or what the market will do. Nobody knows if line go up or line go down. From a value perspective, very few people have enough information to know if every company they've invested in is poised to succeed in the next year, next decade, next hundred years etc. Let alone if it actually will do that. Investing in the total market has historically given the best returns for lowest micro-management. Going into the total market and chilling usually beats trying to time the market. You spend a lot of time looking for the needle when you could just buy the entire haystack. Beyond proverbs like that and looking at the past to *guess* what the future *might* be, nobody knows. The answer is always "nobody knows." How old is your dad? He's probably not wrong that aspects of the market are crazy overvalued. What's his time scale like for his money? How soon does he need it back? If his investment doesn't show substantial profit in 20 years, will he be ok with that? I mean, let's say he's investing the money for future generations (like you) to use. In which case, the total market should return substantially more than staying in SGOV. But if he actually wants to access his money soon then he probably wants it in a more liquid form. I'm just some reddit person, and I don't know the future.

Heyhayheigh

I’m not mad at QQQM, I do that personally. You pay for the leverage. But I get the people who do that. Auto QQQM and even auto some stocks I personally like is fine. I never panic sell. So I have no worries. SGOV for emergency fund. Set to auto. Move on with my day.

Horror-Appeal-190

Seriously like take 75% and just get Spy and SGOV or something.

xXGokyXx

I didn't say he'd been in SGOV for years, I said he was in SGOV currently. It is from selling some private equity this year. I see now that my write-up seemed a bit noobish- and I wish I had focused more on my thought process behind the question. I wanted people to comment on the last two paragraphs, but everyone thus far has clearly only focused on the first half. And I don't take it as an insult, contrary to the other commentator who said what you said, but not so nicely.

Heyhayheigh

If someone had been in SGOV for years and goes HAM on VOO for millions, he will totally panic sell. Find a trusted pro. You’re not equipped to guide him through volatility. This is no insult. It is very hard to guide people through investing. And it gets much harder as the money is bigger. It’s easier to buy 1000 of VOO month, set to auto. It’s much harder as the money is huge.

MaybeTheDoctor

How old is he, and when will he retire? I would say risking the market if retirement is in the next 5 years, and he may be better off in SGOV or bonds.

Tojuro

Same. I'm SGOV chips right now, just waiting for a big dip.

Shadowrunner138

Why work you life away for a house only to take a risk with the profit at all? SGOV or treasuries, higher yield than a HYSA, almost state tax free, about as low risk as it gets without just leaving it where it is.

PalpitationSmooth992

even SGOV is up 0 percent

No-Departure-5121

SGOV

BIGPOTHEAD

SGOV for the win

timtam_z28

Moderate risk to me would be like 80-90% SGOV, 10-20% VOO. Maybe even a little BTC, because I personally wouldn't put all that equity into a new home, but depends on your plans in 1-2yrs. Low risk to me would be 100% SGOV. I wouldn't keep it all in HYSA, that sum is over the limit of FDIC protection and there's tax benefits to SGOV.

SnS2500

Yes, you should pay estimated on the gain by April 15, 2026. You still can keep it in SGOV or any high yield account for a few months though. You also can potentially tax lost harvest before April 15, 2026, and potentially make a smaller estimated payment.

SnS2500

It would be nuts to sell now and set fire to $12k for no reason. Sell next year. If the market tanks next year, you may avoid most of your tax liability. \> didn't really want a large tax bill looming over my head Just take the $12,000 and put it in SGOV in January for the next 15 months, get interest on the money, then pay the taxes in 2027. (You could even pay the full $12,000 in estimated taxes in January if your brain needs that. If you did that, you still might get some of it back if the market tanks in 2026. )

teckel

Equal parts SGOV, MMAX, MAXJ, SMAX and DMAX

Heyhayheigh

SGOV for short term money.

Consistent-Pin-446

For such a short term i would be risky to do equities. Do SGOV, its like an hysa but with tax advantages.

fencepencil

SGOV til the big dump!

Nuvuser2025

Thinking of shifting completely out of SPAXX to SGOV.  I live in a no tax state, so the benefits would mainly be to lose less yield to internal fund fees.  Sound like a plan, cash gang?

DoinIt4DaShorteez

I think I'd just go with SGOV and set it and forget it. Even if you were able to get something that was 1% higher than SGOV, that's only $200/yr or $8.33/mo on $20k.

QiwiLisolet

I see. Yeah, SGOV is 4.4% YTD return and I don't know of a HYSA that's over 4.5% APY without some sort of temporary bonus. I've only seen JAAA suggested in other posts about SGOV. RN I only have under $20k in SGOV, so not enough to make a huge difference in return, and Im slowly teaching myself and asking kind folks like yourself about my options. I just need a reliable return for whatever cash I have saved

DoinIt4DaShorteez

I think there won't be much difference between the HYSAs and the short-term treasury ETFs in 2026 compared to 2025, because basically they compete with each other, so when the ETF yields fall, the HYSAs don't have to offer as much. You might be able to eke out a few basis points more in some HYSAs if you can find them. Someone asked last week about JAAA and JBBB I think, I don't know if it was you, but if you look at older posts here or in r/Dividends you might find it and some opinions on them. I looked at JAAA and JAAB and they have higher yields but they are invested in corporate CLOs, so they're not going to be quite as safe. JAAA's NAV has been declining also. It was $51.04 on the last day of Jan and $50.73 on the last day of Nov. 31 cents doesn't sound like much, but that's 0.61%. It also took a (temporary) dive on Liberation Day, while SGOV didn't bat an eye.

QiwiLisolet

I'm projecting onto OP, but I would also like to know if SGOV is a good "HYSA alternative" for 2026, or if JAAA or something else functions better? I wasn't going to chase APYs, so I switched to SGOV. I should have a 401k or more diverse investment portfolio, but work has been sporadic the last few years. I'm just trying make cash I have do some work too.

SirGlass

If I had to guess AI just looked at SGOV rates dropping as the Federal Reserve dropped rates from 5.5% to 3.75% over the last year and just assumed rates are going to keep dropping at the same rate from last June of 24 into the future or something

DoinIt4DaShorteez

The curve is steepening because the Fed said they were going to be buying the short end. You can expect that to keep the yield on short term treasury ETFs like SGOV from going up if/when the 10 year goes up. And they'll probably continue to go down. I don't know about those AI projections though. On the other hand, SGOV monthly div has dropped from $0.41516 to $0.31291 in the last year, that's a 25% drop.

TJMBeav

Let's debate $SGOV shall we?

Heyhayheigh

Use a broker like Fidelity that supports fractionals and auto buys. Set a weekly amount. Only sell when you have something urgent to pay for. You will be much richer. Have multiple stocks if you like. Switch the auto from one to another if you want. You will eventually realize that QQQM or VOO auto weekly is just easier. SGOV whatever emergency fund or large expense known bills coming up. Life is just easier. If you make a ton of money, just find a trustworthy pro to hire. It’s likely not worth your time to focus on it.

Feeling_Shirt_4525

Saving on the NY state tax is nice, but you could just buy BOXX and not pay any tax. They’ve managed to avoid paying out distributions all but one month in their history. And it’s “yield” will be comparable to SGOV. I have used JAAA for cash I wouldn’t touch for 6-12 months. You could honestly use it for an emergency fund too, as long as you have probably 20% more than you think you’ll really need in that fund

InquiriusRex

Bond yields corrolate to bond demand and supply, that's it. SGOV is comprised entirely of 3 month treasury bonds.

Heyhayheigh

SGOV

greytoc

SGOV is sensitive to ultra short duration interest rates. Also - because it is an ETF - there is a premium/discount to the fund and a spread. While the likelihood that these factors impact SGOV is negligable over time, for 2 days while it's unlikely to lose value - it likelihood is non-zero.

JimothyLeFleur69420

Noob here. How liquid is SGOV if I wanna use it as a HYSA? Can I buy SGOV today and sell it in two days without any losses? I believe the interest accrues daily so if I sold it I’d just make a few cents right? Or do I need to time the sale of SGOV to make sure I don’t lose money?

Enough_Fact1857

SGOV

SecondSt4ge

I agree. The S&P is a better option for me but it seems if you’re more worried about assured profit then maybe go with SGOV. You know it’ll be there 9 months later. But at that point what do you do? Take $20k out? Or keep buying more?

Hungry_Mission_3933

If you need the $20k back in a 9-month timeline, I’d stay in cash-plus. SGOV is the simplest option. If you’re open to a bit more yield without going full risk-on, NEOS - CSHI adds an S&P option overlay on top of short-term Treasuries to squeeze out extra income. If you’re feeling more aggressive, NEOS - HYBI offers higher yield but has some credit risk.

OneOfThese_1

If I absolutely needed it short term I’d stick it in SGOV, or similar. A MMF works too. That’s where most of my uninvested cash is. The smartest thing to do though is wait until that “unrealized gain/loss” field has big red numbers then panic sell. It’ll save you a little bit come tax season.

qqqqqx

Park it in SGOV if you want it to never be down at the end of the 9 months. Earn a couple percentage points, cash out anytime you need to. If you want more risk/reward park it in the s&p 500 or equivalent mutual fund.  Usually has higher returns over time, even if that time is broken up into 9 month periods. But if you're unlucky and need the cash for the business during a downturn (like April this year) it might have actually gone down instead of up.

thenuttyhazlenut

|Ticker|Industry|Allocation| |:-|:-|:-| |ACGL|Specialty Insurance|25.25%| |DR (TSE)|Medical Services|15.00%| |MOH|Health Insurance|15.00%| |WISE (LSE)|Money Transfer|13.75%| |QFIN|Consumer Lending|10.00%| |SGOV|Short-Term Treasuries|9.00%| |CROX|World Class High Quality Footwaer|6.00%| |JD|Ecommerce Retail|3.00%| |THX|Gold Miner|3.00%|

cruisin_urchin87

VTI, VXUS, and a minor stake in SGOV. Feed these three (45, 45, 10) and don’t mess with options until you get bonus money you can afford to lose. Eventually branch out into single stocks when you have a good nest egg

greytoc

FYI - yields are expressed as annualized. So - it's 3.6% per year - not per month. As for why it's no use for me - it's because I can generate a higher yield on cash using investments with similar risk profile. Also - my own personal financial situation allows me to ladder fixed income maturity along the yield curve. And I adjust the credit risk and interest rate risk based on my own personal risk tolerance and future expectations of the interest rate markets. These are more complicated cash management concepts which may not be worth the effort for everyone - but it works for me. Lastly - I am an active trader - so having my cash in a brokerage account allows me to use certain types of leveraged strategies. That said - for a non-trader - the benefit of using a brokerage account is access to a broad range of low risk fixed income products. For example - for an investor that lives in a state with income tax - interest from a HYSA is a state taxable income. But if the cash was invested in ultra-short duration treasuries, government money market funds, or government ETFs, the interest from those funds are state tax exempt. This provides a much higher post-tax yield. A simple example is having a Fidelity brokerage account. Fidelity has a feature where cash which is not invested is automatically swept into a money market fund - the money market fund currently has a yield of 3.62% and the interest is state tax exempt. Many investors may also simply park their cash into government funds like SGOV which currently has a yield of about 3.7% which is also state tax exempt. For high-income earners in high tax brackets - the investor can use state muni funds which may be both Federal and State tax exempt. This may provide a much higher yield than a HYSA, Lastly - interest rates change. And a bank can change the interest provided in an HYSA at any time. For example -you mentioned 3.6% - HYSA's were offering more than 4% in the recent past. If cash was in a brokerage account - an investor isn't locked into a specific bank savings account product. An investor can simply more the cash into a different fixed income investment easily. That doesn't mean that having a HYSA or bank savings account is useless. It has it's benefits. But it's tied to the services and features of the bank or credit union that is offering the account. A HYSA and brokerage account can generate interest on cash. But as financial products - they serve very different requirements. There are also very different regulatory and safety nets between banks and brokerages. That topic may be too complicated if you are inexperienced, but you can find a lot on this subreddit about disucssions about how safe it is to hold assets in a bank vs brokerage. There is a lot of misunderstandings about how it works - but there are legit differences.

ProtectionLonely8805

SGOV is solid but honestly for an emergency fund you want liquidity over yield. The extra 1-2% you might squeeze out isn't worth having your safety net tied up when you actually need it fast

SamWest98

SGOV +15% over 5 years Cost of living +100% over 5 years

Denny_Dust91

Rate my portfolio Hello, I'm not some stock expert like you guys but make decent money and been investing awhile... Rate my holdings, or tell me what you would change! I probably won't listen, but I'll take it into consideration. Total Portfolio: $771K~ (all approx. numbers) VOO: $455K VYM: $109K SGOV: $98K (Slowly shifting to stocks, DCA) NEE: $24K LMT: $23K PYPL: 21K TGT: 21K UPS: 20K ADBE: 20K

PalpitationSmooth992

rate cuts bringing cash yield down to 3.5 im slowly moving my SGOV into JAAA and so are the big bois check after hours 5 mil volume today alone been getting bought every single day in the AH div stocks will continue to pump as smart money positions into high yield assets while growth bleeds the rest of the year calls on div stocks are free money right now

Heyhayheigh

VOO for investing. Buy weekly and auto. As much as you can. Sell only when you have an urgent expense to pay for. SGOV (tbill etf) for emergency fund and short term known large expenses. That’s basically all you need. Tbill and aggressive don’t belong in the same sentence. They are opposites. Money is about when you will spend. Long term: VOO. Short term: SGOV. You’ll will learn along the way. But those are the basics. Auto invest, don’t panic sell. The rest comes with time. Best of luck.

Lazy-Ad2591

Because it’s 12% effective dividend vs a lot less. Also I am from Europe so can’t buy SGOV

Siks10

Without putting in any work here, it sounds like a terrible idea. Why not buy SGOV instead?

JeffFBA

Just a small tip (in case you didn't know), you don't need to keep it as cash. You can buy something like SGOV in the meantime.

LuciferAuAndromedus

SGOV a good buy?

BumbleSlob

9 months is a pretty short time frame. Wouldn’t recommend you put that into stocks. If you wanted slightly more risk and return than a HYSA you could go with SGOV. Or you could put a fraction of the money into the stock market according to your risk appetite. 

BagHoldersOfAmerica

Fighting the urge to abandon SGOV and be 100% stocks

phate81

Nothing wrong with this so long as you have your emergency funds in safe investments. I use my brokerage account as my savings account and keep 6 months of living expenses between money market positions and SGOV. The rest I throw in stocks and ETFs. It certainly beats the shit interest rates my bank was paying.

Zzazangm

Personally, I don't think there's anything to worry about and think the market will be fine for at least another year. If you're afraid, you can just add more bonds/SGOV to your portfolio to have some money in case of a bear market.

Dsrtfsh

Today I am going YOLO on SGOV. Nothing will stop me lol.

d_uni7

I stated that I am EU based and SGOV isn't available for me.

Ok_Policy2010

I'm in USA so our money market funds are all around 4%. SGOV if you can buy it where you are

Successful_Tap5662

I would say just re-DCA. Would be no different if you found yourself with a windfall and unvested at all time highs. If it helps OP sleep at night, so be it. Put it in SGOV for an ease 3ish percent and sped a year re entering. Personally, I’m happy with the old 200DMA OR 10month mov avg as my sl. FinancialWisdom has shown numerous backtests that make me feel comfortable enough limiting my manual management to that.

TheZookeeper31

Trying to time the market is dumb. Using historical evidence, the market is more likely to go up tomorrow rather than down. Consider rebalancing (pulling a portion out to cash, and into something like SGOV), but I wouldn’t completely exit.