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Di Mana Saya Menyimpan Uang Saya: T-Bills, Dana Pasar Uang, CD atau Rekening Tabungan?

Rob Berger 142 views

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We have $800K parked for our next home purchase after October 1st when we'll return from our year in Mexico, plus about $80 in living expensesbrbrHere's the best place to park money right now for anybody who doesn't expect a huge State tax bill: JAAA brYou are welcome
Comment from : @Out_of_Ojai

Thanks, Rob! Friends, I'd love your input on this: what if you have a significant amount of cash poised for a correction, would you still use a MM fund? I've read that T-bills are safer that MM funds if we have another 2008-like scenario Thanks for any proactive advice!
Comment from : @BetsyGutting

You’d have to be insane to invest in money market funds instead of an insured money market account with literally the same yield
Comment from : @Greg766

Is VUSXX subject to state and local taxes?
Comment from : @Craig_Little

Love you videos Do you have recommendation for an app for tax loss harvesting?
Comment from : @ScottieBasset

SGOV
Comment from : @TheTangoAlfa1

A error message/ unable to access AllCards website due to password protected pop up to sign in to the AllCards website posted here
Comment from : @jesusbrito3378

Good information on your channel
Comment from : @michaelyork7844

Would you consider Vanguards VTIP fund?
Comment from : @thinkblue8089

SGOV and chill
Comment from : @jonahconner1111

I love T-Bills! - listener from California
Comment from : @thane816

I’m thinking FDLXX within our Fidelity IRA does that make sense?
Comment from : @gigilaroux762

Rob - do u buy TBills direct? Or prefer to go thru a brokerage?
Comment from : @rangeles3462

Ours is in SWVXX at 51 yield as of 22725 Am happy with that
Comment from : @SueTNguyen

The fact that the stock markets have gone up is due to which many people want to escape from their daily work
Comment from : @rajendrabareto8065

I buy the BIL etf 91 dollars per unit And the price is very stable
Comment from : @thestu2008

4-week Treasury Bills No question
Comment from : @Gary_Reid_Backing_Tracks

I love the video I left Vanguard, too I love Fidelities fractional shares options and their firm having physical locations!
Comment from : @billywatson9821

If a money market fund invests in non-tax-exempt securities what is the benefit of investing in it compared to savings bank that may offere better rate?
Comment from : @mishko-z-lvova

What are your thoughts on PGHY (Invesco Global ex-US High Yield Corporate Bond ETF)? Expenses are a bit high at 35 but it has 30 day yield of 712 I've had it for years now but with limited $ Not sure if it's "safe enough" for parking MORE $ in IRA
Comment from : @JoeMcCracken-b9o

SPAXX for the win!
Comment from : @leeharrell777

Good info As far as T-Bills, I use the gov website after you set it up, it seems easy to just buy t-bills, auto reinvest and move on Build a couple t-bill ladders with no problems and my current Emergency fund(6-months expenses) is in a ladder Still good information here to max short-term savings
Comment from : @GrowingPIGs

This was such a helpful breakdown! I’ve been weighing my options between money market funds, T-bills, and high-yield savings accounts, and your insights really clarified the pros and cons of each Love how you explained the convenience factor - sometimes simplicity wins over chasing the highest yield! Definitely leaning toward money market funds now
Comment from : @justinmirche

How can it be a good investment or a secure one with less than 500 when inflation is not less than 20 (Of course,Uncle Sam will deny it but prices at your supermarket prove it ) ? even 000 inflation You are losing money,fees,taxes,
Comment from : @MySmallWorld

My broker recently recommended diversifying my fixed income with CLOs such as JAAA I see a couple of commenters on this video have mentioned CLOs as well but I'm pretty green to investing and the old adage "don't invest in what you don't understand" applies here Do you have experience with these? What are your thoughts on them? JAAA has a short track record but has been way less volatile than even BND, so it seems like maybe its a good fit?
Comment from : @dankoba1

Most of those ST government money market funds invest 50 or more in repos not straight Tbills Seems like that could be a little risker esp given the US Treasury is employing emergency procedures? Also if legislation isn't enacted could you see the US treasury being unable to paid or deferring maturing tbills ?
Comment from : @GregMo24

Hey Rob, you mentioned using Money market accounts, any reason why not high yield savings? I'm not sure if I understand the nuances between the two Thanks in advance
Comment from : @CjadElstad

I get only 25 returns but I feel nice without the stress of market uncertainty
Comment from : @rajendrabareto8065

T-Bills aren’t a hassle Use Fidelity, setup a ladder with auto roll, let it go, done
Comment from : @bizzfo

Just checked out your "CD Rates" link Thank you for putting the info together If is possible for you to please add the feature to sort the CD options by APY? Thank you again
Comment from : @fwcraigslist

very helpful
Comment from : @cesarchavarria6644

It appears better to invest VUSXX rather than cash plus account because former has higher interest rates My understanding is it is still takes you next day to get your money from the cash plus account if you want to buy the fstocks within Vanguard Is it correct?
Comment from : @kaykhen9853

Hey Rob - know you just posted this video 3 days ago, but with the Fed rate cuts, it looks like Vanguard has just cut off new investment in their Money Market funds unless you're brokering directly with Vanguard
Comment from : @Slim_P1ckens

Rob Thank You very much for the useful video Any thought how to deal ahead in case market is down when it is time for take the RMD Some people do the treasury bill ladders It will be great if you could create a video about this topic
Comment from : @kaykhen9853

SGOV is my top pick as it has excellent volume and gives me a good monthly income I can sell some and transfer it to my bank in a day or two That's about as good as it gets Also I have used TBIL
Comment from : @jimmattson8008

I have my emergency money in IBonds Pros: Ultrasafe treasury investment, State tax exempt Inflation protected Tax deferred compounding Balance never declines (the granny test) Cons: 1 year lockup, 10K per year contribution limit (but unlimited w work-arounds,) 3 month interest penalty if redeemed before 5 years
Comment from : @alleneverhart4141

I keep my cash in a money market mutual fund with Schwab and sell cash secured puts using that cash to own long term dividend stocks so i am double dipping
Comment from : @richardthorne2804

Tbills and SPAXX
Comment from : @stephtraveler7378

Raisin offers really good deals
Comment from : @Cal6669

Appreciate the comprehensive overview, Rob Cheers!
Comment from : @jonpitale2619

I'm trying to decide between a flat fee financial advisor and 1 aum financial advisor Would you ever do a video comparing the two?
Comment from : @stephenboatman8608

i have some cash in FDRXX and SPAXX but can SGOV replace my bond allocation instead?
Comment from : @phillyboylaboy

Rob I really like your knowledge and objective approach to finance I like to keep self educating on finances on YouTube, but when I need the sensible practical answers I seem to come back to your sight This video is a great example You can park money here or there or use some creative tactic, OR just use the Vanguard money market or CDs and keep it simple and manageable for the average person 👍👍
Comment from : @Tom-oc9sr

Thank you, Rob for this video I like T-Bills and Money Market Funds with Schwab
Comment from : @Cattleya455

If you have an individual investment account with Vanguard, your “cash” is automatically invested in VMFXX, which is given 42 that’s automatic you don’t even do anything it’s passive
Comment from : @notyouraveragejoe4865

I keep most of mine in Fidelity’s Cash Management account with SPAXX as the core position SPAXX still yields about 4 percent and auto liquidates when I need the money, plus the account comes with a debit card, check writing, and ATM fee reimbursement It’s a great account and doesn’t require any time or effort to maintain I’m not worried about an extra 3 percent yield I could get from T bills, Vanguard funds, etc
Comment from : @mikerl489

Beware scammer below: drbrianfrank
Comment from : @cynthiadeg9206

You should go into teaching at a college or high school for finance, Mr Rob
Comment from : @chetanjilhewar1669

Wealthfront is at 425 Ive made 25k in the last 2 years!
Comment from : @vallejoborncalihasbecomeal9022

How about JAAA Safe to put a lot of money?
Comment from : @nightdonut

I appreciate this video I highly prize simplicity Our cash mainly sits in Vanguard VMFXX federal money market fund
Comment from : @linneasimchah1621

I've gone with tbills through the Treasury sitefor a couple yearseasy I enjoyed his Treasury chart early in the vidis that on the gov site??
Comment from : @bradleyhorton4949

I keep some of our cash in a staggered set of three 13-week T bills at Fidelity With no transaction fees, Fidelity will auto-roll into new bills as they mature and you can stop that anytime The rates have been competitive with other cash pots and it’s more liquid than CDs
Comment from : @hardykornfeld1733

I’m using RAISIN and FDIC insured CloudBank 24/7 at 426, also T-bills via $FRSXX mutual fund at 428
Comment from : @kw7292

Why invest in bonds or money market funds at all if they are currently paying essentially the same as a high yield savings account and you have no fluctuation in your principal value
Comment from : @sbaconsd

I use USFR and FLTR within my Schwab accounts My experience is it's much easier to move money between short term cash and investments using ETFs vs MM funds as the latter usually take 1-2 days to settle when selling on Schwab I've also used SGOV and ICSH, but the floating rate funds have consistently had higher yields, at least over the last 5 years
Comment from : @dmc3582

I would be careful with the tax-exempt municipal MM funds as their yield is extremely volatile The yield it shows now could be halved in a few weeks, so even the current tax equivalent yield would not be indicative of what it will actually yield you in the next few months, even if the fed doesn’t make any movements in the short term rates
Comment from : @J-2024-v8i

SGOV Done
Comment from : @boodles07

I hold a small portion of my savings in cash and the balance in Vanguard Federal Money Market Fund Investor I hold this through my primary bank so that if I needed the money, I can access it quicklybrbrI do t hold emergency savings at my brokerage bank as access takes longer
Comment from : @clsanchez77

Buying TBills and managing them on Fidelity is pretty easy I’ve been rolling over 4 week T bills for almost 2 years now Fidelity has an auto roll feature that automatically reinvests in the same Tbill upon maturity All happens the same day, with no gaps in the investment The proceeds are deposited in the core position which in my case is SPAXX but other options are available Fidelity does not charge for this service The only difference between buying direct from the treasury and Fidelity is the minimum investment is $100 on Treasury Direct vs $1K on Fidelity And of course the major tax advantage is no state taxes on TBill proceeds
Comment from : @cbayman869

Love your content, Rob! Thank you❤
Comment from : @SweetDoggyMom

XHLF - 1/2 year duration, pays monthly, rolling 1 year T-bills, low ER (003)brbrCON: as an ETF it has a small B/A spread so good for income but perhaps some performance drag when buying / selling
Comment from : @markmoshekaye202

T bills can be purchased directly from Treasury Direct for as low as $100
Comment from : @silverbullitt24

What do you think of ICSH?
Comment from : @zhongpu1256

You don’t need an account at Vanguard to invest Vanguard money market funds I bought VMFXX in my trust brokerage account at E*Trade because I can transfer funds online to my interest bearing joint checking account at E*Trade as needed for my monthly spending
Comment from : @peterwright837

You can buy T-bills at Vanguard and just have excess cash just gone into your money market fund I live in California and pay 9 state income tax so it is worth the little extra hassle, to save on the tax
Comment from : @johncampbell9565

You can get money market funds in other brokerages too Like you can get VUSXX through other companies brokerage accounts
Comment from : @shannonthomass

CIT bank online has an HYSA @ 435 y 5k min Just simpler, I have the account linked to my Fidelity
Comment from : @BiggMo

At 3:37 - SNAXX has a $1,000,000 minimum investmentbrbrUSFR invests in floating rate Treasury Bonds and has a 30-day SEC yield of 427, but an average YTM of 437 TFLO is a similar ETFbrbrI also have some cash in TMCXX at Merrill Edge paying 439 I believe the minimums for all of Merrill Edge's Money Market Mutual funds is $1, but they don't act as automatic sweep accounts
Comment from : @joelcorley3478

Nice video! The only drawback for some of these Money Market Funds is the high expense ratio SPAXX (Fidelity Version) for example charges 042 If you take that into consideration, most of the HYSA will offer a better rate
Comment from : @guillsport

Great length of video!
Comment from : @joshua3196

What was your issue with Vanguard?
Comment from : @NextGenEvs

What about tbill short term etf I have fidelity account and bought some tbill etfs
Comment from : @sfleming701

What about VMRXX? VUSXX looks pretty awesome!
Comment from : @jimlechleiter3916

Hi Rob I went to Fidelity's Cash Mgmt account on your suggestion some months back Surprised you didn't mention it here Did you change your mind on it?
Comment from : @richwallach1129

CDs are a pain in the arse to manage Besides bond ETFs, go with VMFXX for a sweet 5 yield Keep it simple
Comment from : @phd_angel

A T-Bill ETF is much easier - use SGOV
Comment from : @Nix4me

Hey Rob thank you so much for another informative video I noticed in the notes that you use Empower to track your investments I’ve been looking for a better way to do that for myself and Empower is at the top of my list My question is one of security when giving someone access to your portfolio in order for them to track it for you
Comment from : @d-tone551

@Rob Berger, you switched over to Fidelity, so can't you just set your t-bills to auto roll and you don't have to worry about manually doing so? Plus, money in your sweep account is alread in MMF, so you don't have to worry about the excess from discount rate Vanguard doens't offer auto roll, but it's hardly an inconvenience to log in once every t-bill period to buy and the settlement account is also VMFXX MMF, too 17wk plus VMFXX settlement account for me chasing bank bonuses is too much effort considering you almost always have to have direct deposit
Comment from : @hanwagu9967

I think XHLF is a great option for cash as long as you are willing to accept a tiny bit of volatility
Comment from : @christophercerny6943

Why not something like BOXX which is highly liquid and more tax efficient (pay capital gains rates on growth, not income tax rates)?
Comment from : @ReadyAF1

Rob - can you compare target date funds from fidelity, vanguard, and Schwab? It seems that performance wise there are some differences (fidelity and vanguard have similar allocations but vanguard outperforms on all periods Might be due to duration?)
Comment from : @25millz