VGUS
Vanguard Ultra-Short Treasury ETF
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Ultrashort ETF VGUS yield is 3.73% as of 8/3/26. 1-3 month CD 3.85%. 1 month treasury bill 3.71%. There is huge volume for these securities so they are always going to be consistent.
Brk.b has massive cash on hand. If there is a AI crash they will be snapping up bargains like crazy. Can also add VGUS international etf for diversification.
you don't lose growth due to a conservative tilt. you lose growth with elevated risk. you want the best risk-adjusted return, not the most growth. use your cash to buy ultrashort government bonds, e.g., USFR or VGUS, or just hold it in a MMF or HYSA. this essentially cuts your maximum drawdown in half, and gives you dry powder to bring your account back into balance when stocks are cheap. when the market recovers, you end up with a bigger balance than before the drawdown started. [https://portfoliocharts.com/2022/04/12/unexpected-returns-shannons-demon-the-rebalancing-bonus/](https://portfoliocharts.com/2022/04/12/unexpected-returns-shannons-demon-the-rebalancing-bonus/)
6-12 month Treasuries or for ease of use ultra short term treasury ETFs like VGUS or VBILL will return about 4.20% currently with no tie up and liquid Also if you live in a state with state income taxes these will be state tax exempt making them a bit more appealing then a HYSA with almost the same rare
VGUS, VBIL I am buying AMZN the whole way down but I agree with others in here there’s probably more room to drop
> Expense Ratio, 0.09% If you really want to min/max, Vanguard just dropped VBIL which is another 3 mo tbill etf with a 0.07% ER and VGUS tracks <12 mo tbills/notes/bonds
Bro. VGSH or VGUS/VBIL very short-term credit. Maybe a small bit of AOA or something but equity markets can be down if you must sell at that 6 year mark.
Other advantages and disadvantages are nav price. Fixed to the $1 and then the saw tooth pattern as interest is accumulated and paid off each month. You might have losses or gains depending when you buy and sell. I'm currently using VUSXX but wondering if I should use Vanguard's new treasury etfs they just released last week (VBIL and VGUS). Having to wait a day to sell VUSXX and then transfer to my bank to pay bills isn't such a big deal. But not having money in my settlement account sucks for when there is a decent dip and I feel like buying to lower cost per share averages.