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Posted on 12/5/23 at 12:36 pm to Big Scrub TX
bump, as this is still the superior option for cash, IMO
Posted on 12/6/23 at 2:50 am to Big Scrub TX
A Robinhood Gold account will pay 5% APY on all univested cash. That's as liquid as it gets. FDIC insured up to $2.25m. Gold account costs a $5/month fee.
Posted on 12/6/23 at 6:35 am to coonasstiger
quote:
thx for this thread. saw ur post and moved quite a bit into it and getting an extra 1%+ on it. the beauty of information from TD strikes again
Is anyone buying stocks?
It feels to me like every one is in certificate of deposits.
Posted on 12/6/23 at 9:05 am to Big Scrub TX
quote:
bump, as this is still the superior option for cash, IMO
I appreciate you bringing this to our attention way back when. In my self-directed retirement accounts, I’ve been dropping dividends and option profits into USFR. Great vehicle to use. Thanks.
Posted on 12/6/23 at 9:41 am to Jag_Warrior
Raisin you can get from 5.27 savings to 5.7 6 mo cd
Posted on 12/6/23 at 11:25 am to dyerbro
quote:
Is anyone buying stocks
Every single day. But I day trade. Longest I've ever held a stock is probably 8 months. Made a whopping 0.5% on the trade. I prefer small, daily victories.
Posted on 12/6/23 at 1:08 pm to Gideon Swashbuckler
quote:USFR is north of 5.3% with essentially infinite liquidity and no need for FDIC insurance as it's in US Treasuries.
A Robinhood Gold account will pay 5% APY on all univested cash. That's as liquid as it gets. FDIC insured up to $2.25m. Gold account costs a $5/month fee.
Posted on 12/6/23 at 2:41 pm to Big Scrub TX
quote:
USFR is north of 5.3% with essentially infinite liquidity and no need for FDIC insurance as it's in US Treasuries.
Ok?
Posted on 12/6/23 at 2:46 pm to Gideon Swashbuckler
quote:So it's the highest rate on offer with infinite daily liquidity.
Ok?
Posted on 12/6/23 at 6:22 pm to Gideon Swashbuckler
quote:
quote:
Is anyone buying stocks
Every single day. But I day trade. Longest I've ever held a stock is probably 8 months. Made a whopping 0.5% on the trade. I prefer small, daily victories.
Yeah people are buying stock every day.
I think I should also. lol
Posted on 12/6/23 at 6:43 pm to danilo
quote:
Recommended HYSA?
I've been using CIT Bank online, 5%+. Extremely easy setup, and I just transferred a pile back to my checking account for a quick cash home purchase. Way easier than I was expecting.
Posted on 12/8/23 at 1:52 am to Big Scrub TX
quote:
So it's the highest rate on offer with infinite daily liquidity.
Cool.
Posted on 2/15/24 at 8:45 pm to Big Scrub TX
quote:
quote:
But the 4.75% you mentioned is specifically from the monthly dividend that my USFR would pay out. Is that right?
Yes, although it's well up over 5% now.
This is a confusing statement, these funds are not paying out the yield monthly. The yield is a yrly yield and the percentage is based on the previous months average rate, correct?
Posted on 2/15/24 at 9:16 pm to GREENHEAD22
It's the gains and divi that add up to the yield. Which last check is somewhere around 5.4% currently.
LINK
Sec30day is 5.38, here is a pretty good article that articulates how this calculation works.
LINK
Can't thank big scrub enough for pointing out this fund, have had all my cash sitting in usfr since looking into it because of this thread. I dont see anything else with the same yield vs liquidity sweet spot this thing has at the moment.
LINK
Sec30day is 5.38, here is a pretty good article that articulates how this calculation works.
LINK
Can't thank big scrub enough for pointing out this fund, have had all my cash sitting in usfr since looking into it because of this thread. I dont see anything else with the same yield vs liquidity sweet spot this thing has at the moment.
This post was edited on 2/15/24 at 9:18 pm
Posted on 2/15/24 at 9:28 pm to GREENHEAD22
quote:
This is a confusing statement, these funds are not paying out the yield monthly. The yield is a yrly yield and the percentage is based on the previous months average rate, correct?
Depends where you look. Many sites quote trailing yield which can be misleading. Best place to check the annualized yield (which is changing weekly) is Here.
Posted on 2/15/24 at 10:21 pm to slackster
Thank you sir.
Posted on 4/25/24 at 3:49 pm to Pendulum
Thought I'd bump this given the recent move up in rates. We seem to be in a "higher for longer" environment, so I like USFR as much or more than when I first created the thread last year.
Presently, it's yielding around 5.47%. That's a solid 20-40bps higher than the Schwab money markets I usually compare it to.
With the 10 year up to 4.6%, there's an argument for extending duration now. I don't really want to, personally, as I think it's "higher for longer"...for awhile.
I still like leaning into the extreme front end and milking it for all it's worth.
Presently, it's yielding around 5.47%. That's a solid 20-40bps higher than the Schwab money markets I usually compare it to.
With the 10 year up to 4.6%, there's an argument for extending duration now. I don't really want to, personally, as I think it's "higher for longer"...for awhile.
I still like leaning into the extreme front end and milking it for all it's worth.
This post was edited on 4/25/24 at 4:51 pm
Posted on 4/25/24 at 6:40 pm to Big Scrub TX
Thanks for the bump. I missed this before and will likely be selling my business soon. USFR looks like a great place to stash $ while deciding on next steps.
Posted on 4/25/24 at 6:45 pm to PerplenGold
quote:Sure thing - just be aware we are (probably!) closer to a time where it could be the right move to extend duration than when I first made this thread.
PerplenGold
Thanks for the bump. I missed this before and will likely be selling my business soon. USFR looks like a great place to stash $ while deciding on next steps.
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