Hi everybody,
I was not overly smart with my investments for most of my life, but cannot complain either. My – so far – latest mistake is that I was keeping all my cash (25-30%) on my regular bank or brokerage account.
Started moving a part into an ultra short corporate bond etf (ERNX), which appears to have a low risk profile, and significantly better return than my normal bank account. (Please correct me if I am wrong.)
What do you do with your cash, if the priorities are: low risk, not moving with market, high liquidity to be ready to pull the gun when an investment opportunity shows up and inflation compensation.
My main investments are in EUR, USD and GBP. Main income stream (other than dividends) is in JPY and small part in EUR.
Posted by godfather-ww
2 Comments
SGOV. I call it my SGOV buffer.
Basically just 4% T-Bills that matter very little when you enter or liquidate. If I see any cash in my broker I stuff it into sgov until I find a good entry point for a stock (and always keep some in there in general in case I need to use money)
HYSA’s use short term bonds so they very rarely get a better rate than SGOV.
ibonds ladder, BOXX