domain stringclasses 11
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | a081411b18a444248bf7eae076b2fdca | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,468,836 | 1,671,552,883 | 11 | 12 | High yield savings because you’ll need the money soon. Ally just bumped their rate to 3.3%. You don’t want to find a good deal on a property and not be able to get to your cash and lose the deal
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration g... | 0 | 0.085366 | 84,047 | 1.090909 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 2976fedd3fdd4b099f7683c953d6a66a | 1,671,479,428 | 1,671,490,942 | 2 | 32 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d go with tbills. You can buy 3 month and keep rolling them. And you get to skip on the state and local taxes.
| 0 | 0.05 | 11,514 | 16 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 40af7e54244f4563ae348652540e56df | 1,671,479,428 | 1,671,499,078 | 2 | 3 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| PNC bank High-Yield Savings Accounts is 4%.
| 0 | 0.105263 | 19,650 | 1.5 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,479,428 | 1,671,552,883 | 2 | 12 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration g... | 0 | 0.063158 | 73,455 | 6 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,479,428 | 1,671,567,797 | 2 | 4 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.098039 | 88,369 | 2 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 2976fedd3fdd4b099f7683c953d6a66a | 1,671,479,996 | 1,671,490,942 | 2 | 32 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d go with tbills. You can buy 3 month and keep rolling them. And you get to skip on the state and local taxes.
| 0 | 0.05 | 10,946 | 16 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 40af7e54244f4563ae348652540e56df | 1,671,479,996 | 1,671,499,078 | 2 | 3 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| PNC bank High-Yield Savings Accounts is 4%.
| 0 | 0.105263 | 19,082 | 1.5 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,479,996 | 1,671,552,883 | 2 | 12 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration g... | 0 | 0.063158 | 72,887 | 6 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,479,996 | 1,671,567,797 | 2 | 4 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.098039 | 87,801 | 2 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | 40af7e54244f4563ae348652540e56df | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,499,078 | 1,671,552,883 | 3 | 12 | PNC bank High-Yield Savings Accounts is 4%.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration g... | 0 | 0.082192 | 53,805 | 4 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Ca... | Where to put cash for high yield ? For 3 months to two years. | 40af7e54244f4563ae348652540e56df | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,499,078 | 1,671,567,797 | 3 | 4 | PNC bank High-Yield Savings Accounts is 4%.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.0625 | 68,719 | 1.333333 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hi... | Questions about tax loss harvesting | 6b0672ca58c346d48cfb325281303ee1 | 0bc30db86fa945c9a27f001110cced4d | 1,663,965,509 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly... | Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 17,318 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hi... | Questions about tax loss harvesting | 5073c64e925d4f4cb6d8acbe434f3b9d | 0bc30db86fa945c9a27f001110cced4d | 1,663,966,621 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly... | Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 16,206 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hi... | Questions about tax loss harvesting | 452c3ae75e2b4ddb911dc83a2619c739 | 0bc30db86fa945c9a27f001110cced4d | 1,663,970,426 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly... | Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 12,401 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hi... | Questions about tax loss harvesting | f28b398102c742a7b469d0525dc81d7a | 0bc30db86fa945c9a27f001110cced4d | 1,663,976,763 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly... | Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 6,064 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hi... | Questions about tax loss harvesting | c512f736b34f4e078dd9dacca15495e9 | 0bc30db86fa945c9a27f001110cced4d | 1,663,982,639 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly... | Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 188 | 1.5 | 1 |
bogleheads | cqcpbz | I know you don't change your investments because of news headlines, but at some point there would be a long term story that you could have to pay attention to, right?
Some experts (Goldman Sachs or someone like that) are saying investors should only expect a 4% return over the next decade. I assume it will still be t... | What would it take for your view of the long-term equities market to change? | e55cb53ff30941cdbf1d8aeff2875a17 | 22ec6b72707144a3b2a495a4ff4e3aad | 1,565,806,672 | 1,565,845,170 | 4 | 26 | If an asteroid were headed to earth we are in r/preppers territory - where the only thing that will have value is guns, ammunition, water, food and fuel. We would probably be bartering and money would not have any value. BIC lighters would probably be the new currency. While, this is an interesting thought experiment, ... | We either get optimal returns, whatever those might be, or we get a mad max hellscape. In any case, buy and hold index funds.
| 0 | 0.028037 | 38,498 | 6.5 | 1 |
bogleheads | ehp7n8 | After reading up on the great resources provided by Bogleheads on various sites. I am finally convinced of developing a portfolio and staying the course. I have had a Roth IRA for three years and have always had much of it sitting as cash waiting for the 'inevitable' correction/crash/correction. After watching the gain... | Thanks Bogleheads | 094ecb8561a24fdab2d00d61abd3133b | 5e49e5eafb514d7c807cc480ca0bcc49 | 1,577,731,326 | 1,577,731,683 | 3 | 16 | Remember that the Roth IRA is a place to put money for future you. Always remember that the power of compounding is on your side over the very long term even if stocks go into recession. Always buy and rebalance stocks as necessary at set times of the year by either DCA or in lump sums. I’m a lump sum investor because ... | "Taking money out of 'stock' indexes during the good times and putting it back in 'bond' funds, and doing the opposite during the stock market downturns."
Just so you know, this is called "tactical allocation" and is explicitly contrary to Bogle-style thought. I sure hope this subreddit isn't recommending such activit... | 0 | 0.078947 | 357 | 5.333333 | 1 |
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