CD
Chaince Digital Holdings Inc.
stock NASDAQ

Trading didn't ruin your life, it just set you back a considerable degree. If you were able to save that much over a few years, you can do it again. A few years is nothing in the grand scheme of things so try not to dwell on the setback and find your confidence in your ability to do it again. As you start building back up look into "CD ladders" so that you're making money with your money but without the risk of trading.
If you do ever decide to come back to trading, don't trade manually. Use ai to help you develop and backtest your technical analysis with trading algos and never allow yourself to trade manually ever again.
And come clean to your family about what you did. Trying to hide it will only harm you psychologically, or worse lead you to continuing to try to make it back with more gambling. Don't suffer in silence by yourself.

What can you do to hedge yourself against a crash? Just buy Tbills and create a CD ladders?

Depending on rates and state CD or SGOV imho. If high income tax state then the SGOV being exempt from state income tax is a pretty big deal.

SGOV / HYSA is the lowest effort, most Boglehead (IMHO) choice. A CD or Treasury/TIPS ladder might get you a little more yield but with more work.
I generally hold the next two years of spending in a combo of SGOV and money markets, but > 2 years always makes me wonder if there's any (reasonably) safe ways to get a little more yield out of it (and treasuries held to maturity can sometimes fit there).

SGOV/HYSA/CD are all reasonable here. HYSA is the most liquid but might require some yield chasing. SGOV has tax advantages and can be liquidated on typical securities timelines. CD may give you the best interest rate but with a periodized lockup/interest payout penalty.

* **Age:** 20
* **Location:** Sweden
* **Current experience:** \~2 years as a full-stack developer at a London-based consultancy (remote), working across real-time platforms, portal development, and assisting senior consultants on client projects. Full agile lifecycle exposure – planning through release, code review, stakeholder communication.
* **Internship:** Completed an internship at a major automotive R&D division (a special industry placement year available after upper secondary), where I built:
* A Python client library for TCP communication with legacy test systems, including a custom parser for data format conversion.
* A CLI tool for project scaffolding with virtual environment setup, RPC generation via templating, and CI automation.
* **Tech stack:** TypeScript/JavaScript, Python, Java, C# (.NET Core), Kotlin; React/Next.js frontend; Node.js/NestJS, Spring Boot, microservices; Docker, Redis, PostgreSQL, RabbitMQ; GitHub Actions for CI/CD.
* **Education:** No university degree. Completed high school. Currently considering *fristående kurser* (standalone university courses) in mathematics/statistics as an alternative to a full degree, so I am not stuck in a university (I am gonna be honest I kinda hate studying for non-goal related things).
* **Languages:** English (fluent), Swedish (fluent), Italian (native),
**Current situation:** Actively applying to fintech companies as a stepping stone. Long-term goal is quant dev (not research/trading). Main concern: whether this background + standalone math courses will be enough to avoid automatic CV filtering for quant dev roles later, or if a traditional degree/MFE is effectively mandatory.

Just remember CD's are taxable income

I’d look for the best HYSA or CMA rate you can find. Keeps things very liquid but still gets you some return. Theres always a list on nerd wallet and similar of current rates. Also check into CD rates since you don’t need the case for more than a year.

SGOV is fine. Looks to be about a 3.68% yield right now. You could also lock into a CD or use a no penalty CD. Marcus has an 11 month no penalty CD at 4.1% right now worthy of consideration.

6 - 24 month CD ladder.

YES, I would buy CD'S

I was attempting to buy a CD on Fidelity secondary market web page. I wanted to put a limit price for the CD but the the field was disable, the higher ask price was set but unchangeable.
I called the their help desk and after 10 minutes of reasons why I could not set the limit price I ended the call.
This did set right with me so the tried again and found that if I change the field from "fill or kill" to "day" I could set the limit price.
I was surprised how the help deek got my simple question so wrong that I am felt wondering if this is incompetence or something else.

I have a wine membership in Napa where I put up a certain amount of money, get 4% guaranteed cash return, 3% value in wine shipped to me every year, and invitation to a yearly party where I eat incredible food and drink as much top end wine as I want. Probably not the strictly optimal investment but I think of it as a medium risk CD and have a lot of fun with it.

Youre a very smart person! Actually this money just cleared. I had him put it in a flexible CD for the 2 weeks it took to clear. It was from a lawsuit I worked hard for. Without other savings. Yes I cashed everything out and at least I made 110 from the 2 weeks lol. Right i agree with everything you said! Thanks for your time:))

I would recommend a CD ladder so money becomes available every 3 months or so. With money market funds, you can buy and sell at will. High returns on CDs has more to do with inflation than the market/economy doing well.

He’s smart. Listen to him. Should be getting at least 4% in a CD or bond.

Drop him. We have excess funds in CD's . 90% in equities. Over One million

My Fidelity accout pays more than your CD for funds im holding in cash. I would check your borkerge rate and then dollar cost averg into the market.
I might increase my pace on a draw down a bit but it wouldn't really matter if you do it over a short run.

Beispielsweise einen Zugang zu Filmfriends (halt i.d.R. etwas anspruchsvollere Filme), bei uns, in Heidelberg: großes Angebot an DVD und CD.

You bought a dying company with a shitty product, what did you expect. Should have put your $10 into a 3% CD instead