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What are you doing/plan to do with your cash?
Posted on 12/8/25 at 11:35 am
Posted on 12/8/25 at 11:35 am
I keep between 2 and 3 months worth of expenses in my HYSA and my bills get paid monthly from there. My emergency fund is laddered in short term t-bills that are continually reinvested.
T-bill rates were 4+% earlier this year, but dropped to around 3.9% several months ago. Starting to see 3.7% rates now. My HYSA is 3.4% but I assume that will be going down soon.
Wondering what everyone else is doing with their cash and if those plans will change as rates likely fall.
(Not looking to invest this as I have investment accounts and this is purely my emergency fund.)
T-bill rates were 4+% earlier this year, but dropped to around 3.9% several months ago. Starting to see 3.7% rates now. My HYSA is 3.4% but I assume that will be going down soon.
Wondering what everyone else is doing with their cash and if those plans will change as rates likely fall.
(Not looking to invest this as I have investment accounts and this is purely my emergency fund.)
4
Posted on 12/8/25 at 11:51 am to Suntiger
I rebalance "cash" quarterly to SPMO (40%), GPIX (30%), and SCYB (30%). When I need actual cash, I sell SCYB. While these are invested in funds, I do not consider these as part of my investment portfolio (similar to T-bills or money market).
It's got a broad stock index, a high-income covered-call fund, and a steady but high-yielding bond fund. The mixture is a play on the classic 60/40 stock/bond portfolio, with GPIX behaving in a way that blends stock and bond characteristics. The SPMO/GPIX approximates the 60% stock mixture, but with a tilt toward income. SCYB offers more income and a stable price line.
My plan will not change with falling rates.
It's got a broad stock index, a high-income covered-call fund, and a steady but high-yielding bond fund. The mixture is a play on the classic 60/40 stock/bond portfolio, with GPIX behaving in a way that blends stock and bond characteristics. The SPMO/GPIX approximates the 60% stock mixture, but with a tilt toward income. SCYB offers more income and a stable price line.
My plan will not change with falling rates.
Posted on 12/8/25 at 11:54 am to Suntiger
I keep most of my cash in SWVXX and sell/transfer into my Chase checking when needed. Only takes a business day. Have about 6 months worth of expenses in cash. About 3% of my NW.
Posted on 12/8/25 at 12:54 pm to Suntiger
MMF at whatever brokerage you use or SGOV
Posted on 12/10/25 at 9:31 am to Suntiger
for me, managing cash is all about liquidity and safety. i keep a couple months of expenses in a high-yield savings account for bills, and ladder my emergency fund in short-term t-bills to earn slightly better interest without taking on risk. i watch rates to adjust if needed, but my main goal is access and stability, not chasing yield. even if rates drop, i’d rather have my money safe and available than chasing small gains in a volatile market
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