SGOV

Junior-Appointment93

VOO,SPY,QQQ,SCHD,SPYI,QQQI,IDVO,SGOV,O, and CHPY. 10% in each. Growth with VOO,SPY,QQQ,SCHD and IDVO. Income with some growth with SPYI,QQQI and CHPY(as of now no NAV decay at all.)SGOV bond exposure plus it’s extremely safe and pays monthly. O gives you exposure to real estate. Yes there is some overlap but each one does it a bit differently. Something likes this is my ideal portfolio. If I was still in my 20’s and able to invest.

BartFly

so are you doing the SGOV thing?

Bossanova12345

SGOV!

__redruM

Even “holding cash” doesn’t really mean you’re in cash. SGOV or HYSA is the minimum. But yes 2.4%, 2022 and 2023 were 6-7% for the full two years. That’s still with us, and people feel inflation is worse than it really is because of that 6-7%.

NYGiants181

Yep I should have known better the bottom was about to drop out. I think I’m going to go SGOV or XLM for a while this shit sucks

Apex-Editor

I'm saving for a home, so right now a significant portion is in cash or a cash-like product (SGOV, money market), and growing with no particular limit. I think it's about 20% and rising. All new contributions save what I needed to max my Roth go to it. It makes me sad not to be contributing to growthier things, but this is more important right now, and in the long term will compensate. Once it's done, I would only keep what I need for an emergency fund, and my normal checking account of course, which I keep small by design. (A few thousand, no more. I dislike rotting money).

West_Flounder2840

~21k in SGOV as my emergency fund same as always. Currently accounts for about 2.5% of my net worth. I let it DRIP to account for inflation.

Fun-Sundae4060

Might keep pace with inflation but not preferable to SGOV or VBIL or just investing in the broad market.

Fantastic-Surprise34

I have hardly anything in checking. I pay a few bills with auto pay and the rest of the month I use my Sky miles card and pay it off at the end of the month. Whatever is left in checking goes to investments or to SGOV.

ArthurDent4200

Another thing to keep in mind if you live in a state with high taxes is for money you keep in low risk investments such as the SPAXX and SGOV you mention is those that invest in a high percentage of U.S. Gov securities, there are no state taxes on the growth. For example the SPAXX does not qualify as only 50% comes from U.S. Gov securities while FDLXX does.

steady_compounder

Yeah they are serving the same purpose basically. The main difference is SPAXX might give you slightly better returns than a typical HYSA right now, and SGOV has a small tax advantage since treasury interest is exempt from state tax. But functionally they are both just safe places to park cash. If your HYSA rate is competitive I would just pick whichever is simpler for you to manage and not overthink it.

0o0o0o0o0o0z

> Just enough to pay my bills every month. Yes, basically use it as an operating account to pay expenses, rest live in brokerage with short-term savings/Emergency in SGOV.

SuitableExercise7096

Has to scroll down way to far to see this. ALWAYS keep the bulk of your funds in vehicles that make money on your money. An attached HYSA is where that is most liquid and easily transferable to the payables account (checking) Keeping the bulk in your checking is losing you money especially if you have more than a few thousand in it. 3-6 months of liquid in a HSYA, the rest in a SGOV or 4%+ APY accounts you can have access to in 2 biz days ( CD, Brokerage, EFT)

ItsJustAnOpinion_Man

Up to $5k checking. Send payment to credit card any time >$5k. $5k in savings. $20k in SGOV in investment account tied to checking/savings to avoid fees. Rest of emergency/near-term project funds in SGOV with main investment account. It is about time I reviewed SGOV against other semi-liquid, low risk savings vehicles...

AlGAdams

Believe it or not the average intra year drawdown of the S&P 500 since 2015 is over 10%, with 2017 being the best year at only -3% Intra year. You can keep 15-20% in money market or SGOV

tightlipssorenips

Keep in mind SGOV is tax-free even in Connecticut,New Jersey and California while SPAXX is not. Spaxx is 3.27 while sgov is 3.58 fzlxx is another great option

steady_compounder

Your retirement accounts (pension, 401k) are fine on autopilot. The T. Rowe 2060 fund adjusts automatically as you age so just leave those alone. The Fidelity account with SPAXX and SGOV is basically functioning as your cash/emergency fund whether you planned it that way or not. That is actually a good thing to have. For the Roth IRA - yes prioritize maxing that over the individual brokerage. Tax free growth forever beats taxable gains every time.

Emotional-Power-7242

Alright so actual cash in BofA can be whatever you're comfortable with. I keep one month expenses plus enough to pay off whatever I spent on credit cards last month. Whatever it needs to be so that there's no risk of you overdrafting and it doesn't get so low it makes you nervous. After that get any 401k match available to you are work, in full After that pay off all debt above like 5% interest except a mortgage. After that comes savings. You are correct that your HYSA and your Fidelity account are essentially the same thing. Keep whichever you like best. This account has an emergency fund. An emergency fund is typically 3-6 months expenses. This is so if you lose your job or get injured or whatever you have time to figure it out. This can also take care of a major appliance breaking or car repairs or whatever. It's so when the worst happens you are not forced to take on debt. If your position in life is riskier (you have kids, spouse who doesn't work, unstable job situation, etc) you may want to keep as much as a year expenses here or even more. That's personal. You can also keep money here for known upcoming expenses or purchases in the next 5 years such as cars, houses, repairs, weddings, etc. If you go with the Fidelity account SPAXX would be a good place to keep the emergency fund because it doesn't fluctuate and you can get the money immediately. SGOV is a good place to keep everything else. If you live in a state with higher income tax FDLXX is better than SPAXX because it's fully state tax exempt. After that retirement accounts. 401k, Roth IRA, HSA, etc. I do not know the specifics of your pension but will just assume it's interchangeable. Really it's ideal to max these out, and it doesn't make much sense to invest in a taxable account until these are maxed. So contribute what you can. At your age Traditional is probably more tax efficient than Roth. Invest everything in a low fee target retirement date fund, or if you don't want bonds a low fee global index fund such as VT or a VTI/VXUS combo. That T. Rowe retirement date fund has reletively high fees. If it is in an IRA where you can buy anything, find one with lower fees. You want fees around or below ~0.2% ideally. Your entire 401k is currently in a US value fund. It's not the worst thing but you want value and growth, US and international. Diversification. After that comes taxable investments. Currently you are not maxing retirement accounts so I would suggest not having taxable investments. When you invest in tax advantaged accounts you get free money. Probably 20-30% more money depending on your tax rate, for free. So why invest in taxable and take the 20-30% hit? As for what you have in these accounts, there's no need for so many funds. Just buy VT or VTI and VXUS. Retirement date funds are not great in taxable because they generate a lot of dividends.

Gladiz1972

Let's see SGOV ,PULS ,VWEHX ,PBHAX my favorite ETF CHPY that's a covered call strategy on the semiconductor industry crazy yield there that's where I would put my own 1 million dollars just collect the interest and dividends

Heyhayheigh

SGOV for emergency fund. The rest VT. Buy VOO on auto weekly basis for whatever I can afford. Work to increase that until retirement. Sell only when there is something urgent to pay for. Same plan as always.

Heyhayheigh

Learn to use SGOV instead of HYSA. Keep a super small buffer in HYSA if you want. But SGOV is a great habit to get early. Hopefully you’re using a place like Fidelity that does fractionals. Just increase your auto weekly. Maybe find an honest pro to help you. I’m surprised you can even contribute to Roth, I assume your income is high. You’re doing great!! Volatility is a feature to the weekly investor. Sell only when you have something urgent to pay for!!

VegasWorldwide

I would say 0% chance. youre talking over 50% gains in 3.5 years. while that could happen in other periods, the fact we made 80% gains over the last 36 months makes me believe it's impossible and would create a very unhealthy market. I really like the pull back we are having right now. it's healthy. pretty much everyone believe most stocks are overvalued. rather than a crash, we are adjusting. I am not selling for 20+ years but if we are sitting at 10k and 25k in 2030, I will absolutely trim a solid 33% to something like SGOV.

ajm5006

Keep as much as you plan to put down on a down payment in HYSA or SGOV. In a separate account begin to accumulate a emergency fund (3-6 months living expensez). Once both are funded, invest excess income/savings in an index fund (VT has a good mix of domestic and foreign investments). Consider increasing your 401k contributions above the match and up to the max to alleviate tax burden. Continue maxing out your Roth.

Lazy_Range_1562

Ok. I definitely didn't mean to insinuate investing by being a landlord. Was/ am one for 30 years now. Frankly it sucks. You wouldnt believe the lies told, the damage done, the hassle, the years of work cleaning up filth. Last ppl on one house replaced a new (2 k ) toyo stove with a broken down leaky piece of trash. Ditto the new dishwasher. The old garbage one wasnt even hooked up. The new bosch one just ripped out. Broke into shed and stole everything of value ( another toyo stove) etc. it goes on so advice is to stay away from being landlord bc renters suck for the most part. I finally sold one and have some money to invest. I have zero clue what to do, how to do it, so reading like crazy, trying but its like a new language. Finally had 3-4 really good replies, advice, But by mistake i deleted them. I had put too much personal info into the comment and erroneously thot deleting my comment would only delete that, not all the replies. (I dont even know how to reddit). Just want to cry now. The FA i went to, took months to get to meetings bc waiting for his appointments, etc. and in the end he wanted to just take the money and invest it into some unknown place, with no info given to me at all, not even what returns he made last year. (Schwab Fiduciary FA), and i didn't know if he reads the news, did he know we have a 9 T debt payment due this year, or the corruption/ chaos that trump is sowing. I see a correction coming too, but what do i know? I thot id see it last year, but now the housing market is showing cracks and job numbers r a lie bc he fired the jobs guy. Installed his lackey to lie. I just read a lot is all, makes me hesitant to invest at all. What effect will trump might have on US stocks or the global shakeup he partially caused, ( abandoning our allies, dollar has lost 9%, etc). I wanted to move away from US dollar to some extent. So im lost. Almost 400 k just sitting for 6 mo now earning 0,08%. I still don't know what to do. Try to invest 300k or just hold maybe SGOV? Trying to learn but sheesh. Im a carpenter, not an investor. Ask me to build/ install u a set of kitchen cabinets. I can do that. Last week i put 50 k into a CD and in 9 mo it will have earned only 1300 (3.5 % global cd). I could take that (a little more maybe 75 k) and build a small house ( 20x30) and earn 1000 -1200ish a MONTH, but again.. its landlording. Im old, over 60, health issues, want to build my daughter a nicer small house and call it a day. Sorry, long.

Heyhayheigh

Use SGOV instead of HYSA. Generally better rate, and in my experience people spend that less. Best of luck!

Fit-Acanthaceae-5741

My exact setup with Fidelity CMA! I DCA weekly/biweekly into VOO/VEU/ONEQ/VYM + SGOV holds my Efund. Reinvest dividends. This account would be my first to be liquidated if I ever needed cash for anything like a big purchase, business opportunity, or partial retire hopefully 17-20 years out.

JustSomeGoon

Correct, except instead of a HYSA it’s better off in SGOV. Higher rates and no state tax

KingOfTheQuails

Literally nobody knows so just set a plan and execute it. If you’re afraid of drawdowns average in. Emergency fund aside I always keep a reasonable pile of cash set aside for SGOV for deployment when a true dip happens (and even then average in because you don’t know if you’re at the beginning or bottom of the dip itself)

BobtheChemist

Investing part of the cash will generate more future wealth, and you can always keep part in cash (SGOV, etc) for emergencies. If you put part into growth, like IVV, QQQ, SPY, IYM, etc, some into dividends like VIG, VYM, SCHD, or such, and then keep adding to it as you can. But you will earn 2000+ a year with any luck, and still have some cash for emergencies. But it will not ay the entire rent any time soon.

red8user

The real question is when do you plan to have enough down payment money for house? If it’s five years or more from now, then it maybe consider brokerage. If less, then maybe still consider brokerage with a very conservative portfolio. For example, if you buy SGOV, you will beat any HYSA interest, and SGOV interest will be state tax free because it’s a 0-3 month Treasury ETF

curiouscirrus

SGOV is also (mostly) state tax exempt

thunderthighlasagna

I have my savings mostly in SGOV because it returns a similar rate to a HYSA but is mostly exempt from state taxes. I did the math and I take home more in the end in my specific case. A HYSA, CD, treasury, etc. are great for short term financial goals (<10 years) because of the stability. You _can_ get higher returns with VOO, but you can’t be sure the market will be in a good place when you need the money for a car purchase, mortgage down payment, or what have you in a few years from now.

Heyhayheigh

Especially if he lives in a taxed state! Sometimes these banks have promotions though. All bait and switch hoping to lure with promotion then they hope laziness keeps it in there when it drops. SGOV is just the big boy move. HYSA is just too easy to dig into. Just that little step of SGOV is normally good. Good habit.

EarthWindandFlyers

Pretty sure SGOV out yields most HYSAs too

Venerable-Gandalf

You should be maxing out your 401k pre tax. That will lower your taxable income significantly. I’d put half the 100k into SGOV since it yields more than a HYSA and is just as safe. Only way you’d lose money is if the federal government collapsed in which case your money in the bank would be just as useless anyway.

FiveAlarmDogParty

The only way I would say a brokerage makes sense is if you live in a state where you’re getting hit hard on 1099-INT for the interest you’re accruing and you could move a large chunk to a brokerage and invest in SGOV which has around a 4% return and is a little easier on you when it comes to tax time. But if you’re going to need the money in the short term, don’t invest in an index fund like VOO.

K-space626

your co worker is half right. open a brokerage and move it there. if it's your emergency fund DO NOT put it in the market. that's the worst advice. instead put it in an all treasury money market ETF. ex SGOV. even more relevant if you like a high income tax state like CA- this will be more tax efficient than any HYSA.

Heyhayheigh

I don’t like HYSA, keep a 10k buffer there. Open a Fidelity account and put the 90k in SGOV, that is a low risk tbill etf. Use that instead of HYSA. Why? Because in my experience people spend easier out of their HYSA. In that same Fidelity account start buying setup and automatic weekly buy of VOO. Start with what is comfortable. Then work to increase that. Sell ONLY when there is something urgent to pay for (that thing could be a house, time will tell). It is the habit you need to cultivate early. You need to get in the habit of auto investing. Set your 401k to lowest cost sp500 fund. Get as much in there as you can stomach as early as you can. Do a little Roth in that 401k also. Sooner the better. That’s all personal finance is: spend less, invest more auto, don’t panic sell. You will learn a ton more. Rome was built in a day, but that’s the basics. Keep maxing your Roth. You’re doing great!!

AdministrativeFile88

Do you live in a state with a high income tax? I have a bit more cash savings parked in HYSA for the same purpose (home purchase plan). I live in a high income tax state, and I ended up paying the state for taxes for interests during tax returns for the past two years. So I am moving the funds to SGOV because of its state tax exempt benefit. It has lower interest rate than general HYSA but if you have to pay state income tax, it's worth considering.

DigitalDensity

Could you explain the investment strategy and goal? Especially if this is a multi-decade investment horizon, SCHD and SCHH in particular are strange choice. Dividends should not generally be a focal point of a long term buy and hold strategy. Further, you hold VT, SPYM, and IXUS. In this structure, it looks like you’ve just constructed VT with extra steps and a greater expense ratio than necessary. Now there is actual merit to AVUV. However, to explain this we need to examine something called the five factors. This is something I am not qualified to explain myself and I will link a good video to it below. HOWEVER, in your case and in the nicest way possible, I don’t think YOU even know why you are considering AVUV. https://youtu.be/jKWbW7Wgm0w?si=bEOUZaF8xeW0RF6k The crypto funds… Again, I have to ask why you want these. What are these achieving that you don’t get from stocks? Are these just an attempt at diversification or held for another reason? Also people are talking about bonds bad in reference to your SGOV allocation. They make little sense here considering the high risk profile of the rest of the portfolio. Typically, investments in cash or bonds are used to lower a portfolio’s risk profile. You’re trading returns for safety. Even at a 5% yield, this is not a great decision. This video gets into it here. https://youtu.be/KdzOlRRHOU8?si=XXViK6zbiFVz9pXb Lastly, could you please explain your investment goal and/or how you even got to this set of funds? I would like to know the story here.

Heyhayheigh

Open a Fidelity account. SGOV. That is no risk and safe. Have several meetings with Fidelity advisors. You should not tell anyone but financial advisors for a good while.

IDrinkSulfuricAcid

Genuinely considering selling everything and fullporting SGOV

steak5

Just buy SGOV, is a black rock ETF that mirrors short term T-bills, they pay out monthly

steak5

If you u have money on sideline, just buy Treasury Bills with it. Is still 4% dividend now. $SGOV

Heyhayheigh

SGOV. SCHD. Some simple VOO. You will make more mistakes with that money than the cost of hiring a good pro. But first move is generally a Fidelity account and SGOV while you figure it out. That’s a panic sell, FYI. Best of luck.

fledgling66

Took half of my money out of SGOV and put it in ADP yesterday. Pretty happy with that decision this morning. $6B buy back program announced and we’re up 2% this morning pre-market.

ZookeepergameFalse38

Like SGOV

Decent-Photograph391

SGOV for now. Still contemplating where to ultimately move it to.

soscribbly

CSHI, JPIE >>> SGOV 4.82% and 5.6% dividend >>>> 3.5

BagHoldersOfAmerica

SGOV and chill

kokatsu_na

First of all, my deepest condolences. Losing your partner at such a young age is unimaginable. You are in a vulnerable state. Do not try to invest that $280k into the stock market right now, park that cash in a HYSA or a US Treasury ETF (like SGOV or BIL) inside a brokerage. You will earn \~4.5-5% risk-free. Take $23k from the inheritance and pay off the loan against your retirement immediately. Avoid buying UK/European mutual funds (look up 'PFIC rules'). Make sure whatever you buy (like VTI/VOO) has 'UK Reporting Fund' status to avoid punitive tax rates in England. But generally speaking, you don't need 'shady' financial planners.

LongCucumber3710

Fuck it I’m shorting SGOV

InvisibleEar

Oh God I just realized selling in and out of SGOV created a bunch of wash sales, I don't want fill out another form on my taxes for pennies!!

Former_Tomato9667

I’m 90% cash, SGOV, and forex. I keep taking profits on green days but the buy signals just aren’t showing up afterwards

tarrat_3323

JAAA or SGOV until the real dip

Majestic-Bass6772

full port into SGOV, feeling risky!

Sick0h

I’d just buy SGOV and win like 80% of the time.

MaybeTheDoctor

I keep 0% in HYSA but about 6-12month in Money Market Fund + SGOV which has higher interest but take 1-2 days to become liquid $. No emergency is ever going to require liquidity with just hours notice.

LastChans1

I keep whatever the yearly maximum out of pocket "price" (I dunno what it's called lol) for my HDHP plan in a HYSA [so like, 6600 for 2026 I believe] and just resign to the fact that I'm stuck with that rate. Emergency fund is 20k-ish in SGOV. Say another 3k to negate any minimum amount fees for the bank, and everything else is invested. So... 15 percent maybe?

MutaliskGluon

EOSE is ~55% of my portfolio. The rest is 1 other penny stock tied to data centre cooling for 10%ish. The other 35% is SGOV and VLB (canadian long bonds)

trsx5

If I want to hold cash in the market, is SGOV a good place just to park cash for now?

newtownkid

Long hold on a lot of LUMN at $5, expecting big things from SLS (been there since it was $1.5). Gambling a decent chunk on POET. Holding a few other things but also weighting heaving in SGOV and SCHD because things are feeling funky.

jw30m

Loaded question. Like the OP, your current age and time horizon are really important to understand for investing for retirement. In general, I prefer buying broad market-based index funds like VOO, IVV, VTI, or similar, because of the long-term rise in US stocks as a whole. But that's a gross oversimplification. I would prefer an ETF like SGOV over CDs, for it's liquidity. Many brokers over something similar for cash sweeps.

These_Relation_3496

Yep sometime sthe best thing to do was leave it in SGOV and chill instead of overtradining and losing $40k

bobdevnul

SPAXX is currently yielding 3.32%, SGOV 3.56%. The difference of 0.24% is $18 a year on a $7,500 investment. That's basically trivial, but use SGOV if you want that additional $18 of free money. If you have state income tax the effective yield of SGOV is higher because the dividends are all or nearly all exempt from state income tax. SGOV trades like a stock and settles with the money from selling it available in one business day. There is no compelling reason to sell it extra early in December to do your IRA/HSA contribution exactly on January first.

Heyhayheigh

You’re doing great! Yup open a Roth. Do the same thing there. Switch it to 25/week instead then work to increase that weekly. Easy place to “edit” the recurring purchase. The bigger the weekly, the better it is for you. You will learn a ton along the way. But you’re already on the right path! Also Fidelity SPAXX is way better than a Bank of America savings account. If you want a little extra, put emergency savings in SGOV. Best of luck!!

Heyhayheigh

In taxable I like an auto weekly amount of VOO. Then work to increase that weekly amount. For you, that would be 75/week. Then try to get to 100, 125, etc. simple. Why? Good money habit, and maybe take advantage of fast dips. There is nothing wrong with maxing the Roth early, I just worry most people who do this over save in cash. Have an auto for SGOV to make sure you’re not missing out. All personal finance is the same: spend less than you earn, have a plan to auto invest, have emergency fund, sell only when you have an urgent expense to pay for. Do that forever. Sounds like you’re doing great!!

ErroneousEncounter

50% VOO 20% VXUS 10% Gold 10% SGOV (to buy significant market dips), the last 10% saved to deploy at value plays (but that’s just me personally).

grantern2

Thinking about buying SGOV calls tomorrow

Heyhayheigh

SGOV.

VisualFlop

SGOV and wait 10 years

Cav829

If you invested in SPY in the last month you made less money than if you invested the same money in SGOV.

Fhyzikz

Made $850 today. Only things left in the port now are a long dated QQQ 600p and a covered call for ETH. Other than SGOV, the name of the game is buy the inevitable dip and ride it back through this range for the 100th time

RedElmo65

Fuck do I need to exit SGOV?

Aware-Lantern141

ngl, that 20% difference in margin between SWVXX and SGOV would make me stick with SWVXX even with the slightly lower yield.

Retired-Programmer

I was so thrilled when I was converted from TDAmeritrade to Schwab and saw SWVXX and no longer had to go thru the process and moving money to/from my Bank Savings account/etc and could now just use SWVXX I just immediately started doing that and never bothered to look at anything else. *> (plus the extra .40 interest*  Hmmm, it may not be much different but I think I may start using SGOV because of that 0.40**%** difference. It may not make much difference total dollar wise, but for whatever reason stuff like that seems to make me feel better. And that difference of 70% vs 90% diff in marginable value has pretty much 0 consequence for me (I'm in TX so I won't have a state tax benefit). Thanks for the input.

ilchymis

Yeah, SWVXX is great for that, because you get like 90% of the value in margin to buy csp/ccs with. I only get 70% from SGOV, but it helps me not get as far over my head (plus the extra .40 interest and state tax break). Either way, if you get assigned, sell the shares and cover the costs, and you wont have to pay the 11% margin charge.

existing_for_fun

I have a portion of my portfolio in SGOV. When I sell puts on margin, it's based on my SGOV holdings. If I need cash to cover a potential assignment, I can sell SGOV to cover.

bam2350

"Also, in reading their information about how they are compensated, there are a lot of things indicated that they will gravitate towards investment that benefit them more." This is a huge red flag. Make sure whom ever you hire has feduciary responsibility. A CFP certification is something to consider. A dividend? You can put it in almost anything yourself and get a dividend. If you have a specific income requirement, that is a little different. Is the manager you hire going to gaurantee you get your required income? The discussion here suggests you're after 5%, is that before or after the fees this manager is going to take? Isn't SGOV paying about 4% right now? You could do that on your own and be very secure that your principle is safe.

changrex4218

yeah, tbh beating inflation is the hard part these days, even with 'safe' plays like SGOV.

Either_Librarian7238

SCHD/G, VOO, SGOV, SPYI or SPYT, QQQI, GLD And any individual stock that you think have a good steady grow (required research)

_galaga_

From my PoV your 401k is pretty conservative (which is normal), your Roth is well diversified and also fairly conservative, so if you want something between the Roth and guaranteed like SGOV your overall risk tolerance is low (which is fine). For somebody your age with a couple decades before retirement you could have your foot on the gas a lot more. I’m intentionally saying could and not should because you have to dial in risk where you’re comfy but I’d considering mimicking the Roth rather than intentionally going with defensive ETFs or chasing dividends. I’d also read more about the kinds of Three Fund portfolios that are suggested for folks your age and see if that speaks to you at all. Most people would probably be in ETFs with higher risk/reward like VOO which isn’t that risky compared to chasing individual stocks on the risk spectrum.

_galaga_

From my PoV your 401k is pretty conservative (which is normal), your Roth is well diversified and also fairly conservative, so if you want something between the Roth and guaranteed like SGOV your overall risk tolerance is low (which is fine). For somebody your age with a couple decades before retirement you could have your foot on the gas a lot more. I’m intentionally saying could and not should because you have to dial in risk where you’re comfy but I’d considering mimicking the Roth rather than intentionally going with defensive ETFs or chasing dividends. I’d also read more about the kinds of Three Fund portfolios that are suggested for folks your age and see if that speaks to you at all. Most people would probably be in ETFs with higher risk/reward like VOO which isn’t that risky compared to chasing individual stocks on the risk spectrum.

Pleasant-Shallot-707

SGOV

Double-Intention4308

* 44 years old * Currently employed ($140,000/yr) * 401(k) that is mostly in a target date fund, with about 40% sitting in a value fund, international fund, and mid-cap fund. All new contributions go to the target date fund. * Roth IRA that is kind of a mess because I've held it forever, but can be modeled as something like 80% VTI + 20% VXUS. * Only debt is my mortgage, which is 3.75% * Fully funded emergency fund (two years) I'm trying to be better with my money. Due to a rocky upbringing, I have a lot of purely psychological roadblocks when it comes to investing. I'd like to start putting more money into my taxable brokerage account, and I'm looking for advice on what I could do in terms of an "intermediate" risk profile that sits somewhere between HYSA/SGOV combination that I've been defaulting to lately and the portfolio I have in my retirement accounts. I've considered a mix of defensive sector ETFs (XLU/XLV/XLP) and heavily "filtered" ETFs like SCHD and VIG. I've also considered bonds, but after 2022 I feel like I don't understand the underlying mechanisms well enough to buy into that. Treasuries might also be an option. If anyone has any suggestions I'd love to hear them.

Heyhayheigh

Fair. SGOV easier.

EveryPassage

Just a heads up, VBIL is just like SGOV but 7 bps cheaper.

EveryPassage

I'd go with VBIL (lower fee version of SGOV) for short duration. Cheap and flexible. IBIE is also a decent option, October 2028 TIPS (inflation linked bonds).

Heyhayheigh

Lol. Safely keep pace with inflation. The dream. Short term money just use SGOV or your favorite money market in a brokerage account. You always lose out to inflation with cash or cash equivalents. There is no free lunch. The system is designed that way. If there was a safe way to just hoard money why wouldn’t everyone just choose that? Places like Japan are setup that way, and their economy has been stagnant and dying for a while. Nobody invests there. The savings accounts are manipulated. The average person doesn’t invest. Not a good recipe. The results show it.

boldlydriven

Or SGOV and now state or local taxes

Dal-Thrax

SGOV. In the long term SPY.

_galaga_

I’ve been with Schwab forever so I’m used to sweeping cash into something with interest manually. I’m not saying that’s the way it should be, btw, Fidelity is more convenient for sure. But it’s not a huge impediment to a buy and hold type of investing where getting in/out of cash isn’t a daily thing. SWVXX is their money market fund but I use SGOV to dodge state taxes although SNSXX is roughly equivalent from what I understand. Schwab will do fractional shares on reinvestments fwiw just not the initial. They had a “stock slices” product to try and get around the lack of fractional purchases but I never dealt with that, it sounded kinda odd to me.

Accomplished-Dig1100

I actually do believe in MSTR long term I think there is a growing use for bitcoin hope* for bitcoin to take off Too much hopes in the air dude. I am not an expert but I started on small account lost and made money and lost and made money and lost and made. So SPY, QQQ, IAUM, SCHD, SGOV (40%) GOOG, MSFT, APPL, TSMC, META (40%) 10% Yolo on options and 10% high risk high reward stocks. Sell IAUM, SGOV when market tanks and buy other stocks equally. When made money on options during ATH keeps buying SGOV IAUM SCHD. And now my account dosen’t tank abnormally. Hope you do same

Scared-Basil5046

Buy SGOV on schwab while you wait. That is what I'm doing with my cash position for now.

sam99871

I have 90% of my savings in SGOV and, until a year or so ago, I had it in stock index funds. I buy LEAPS with less than 10% of my savings and occasionally sell covered calls or puts with less than 1%. Just put your savings in VOO and SGOV and ignore them for ten years. It doesn’t give you the high that a gambling win gets you, but they’re safe and they’ll make you money over time.

Heyhayheigh

Get as much in 401k in sp500 fund asap. Open a Fidelity account, buy VOO on an auto weekly basis. For emergency fund, use SGOV. Set them to auto, don’t rely on self discipline. Sell only when you have something urgent to pay for. That’s all you need to know at the beginning. Best of luck and congrats!

ariverrocker

It depends on your time horizon and risk tolerance. If you might need the money suddenly for something, e.g. an emergency fund, I would park it in SGOV vs. risking forced to sell it during a temporary market downturn. If you won't need it, then you can ride out a potential bear market period.

I_HopeThat_WasFart

All my cash is in SGOV which is collateral for my option positions. Not exactly “investing” but my option risk profiles are essentially long at the moment and in a volatility profiting position.

PennyStonkingtonIII

I think BND looking pretty good right now. I bought some MSFT on the way down @ 427. I bought a bit of RDDT at 152. But I’ve been buying SGOV all year and just bought some BND. I think there will be some big volatility between now and midterms. I’m counting on the potus to do something(s) crazy between now and then. But I always like MSFT. That will be one of my targets to try and bottom tick if possible.

lilstev0

SGOV is the only true safe haven