BINC
iShares Flexible Income Active ETF
stock NYSE ETF

I recommend setting up a core portfolio at Fidelity (which can connect to a taxable CMA cash mgt acct, as well as qualified accts and other taxable accts). Your foundational Bucket A account should be there to generate dividend/interest income, invested in short-term bond ETFs (very low risk). I use the following ETFs for this same purpose: TFLO, SGOV, ICSH, JPST, JAAA, CLOA, JA, AND CSHI. All excellent bond ETFs managed by iShares, JP Morgan, Janus, etc. You generate yields that are as much as 1% higher than CDs, and they're all extremely liquid. Whenever you need cash to pay bills, just liquidate a specific dollar amount across 1 or several of these ETFs, and transfer the cash (after 1-day trade settlement) into your CMA account, which can be linked to various bill payees (utilities, credit cards, etc.). At age 27, you're lucky to have such a long time horizon to invest. Therefore, keep stashing away the max annual limit into a Roth IRA (currently $8,600 if AGI < $153K). This is your Bucket C account, where you should invest aggressively in stock-heavy ETFs like IWY, DGRO, LVHI, and SPYM. Eventually, set up a separate Bucket B account to bridge Bucket A and Bucket C. Bucket should be a moderate growth primarily income account comprised of 2-7 year bond ETFs like VSDB, BINC, CGMS, and SHYG and a blue-chip dividend income stock ETF like DGRO or VIG. Use Bucket B for tax loss harvesting, as well as a reservoir to collect and channel funds toward the other two buckets when rebalancing. There you go. You're in good shape.

Slightly more risk but has been pretty steady: BINC

BINC for all purpose and macro friendly