HYSA
BondBloxx USD High Yield Bond Sector Rotation ETF
stock NYSE ETF

This might be the simplest way I've ever heard why time in the market beats timing the market.
My strategy is trying to do both and I'm curious what you think.
I have a regular monthly DCA that builds my portfolio across 4 etfs /domestic, international, bonds and gold.
I keep my emergency savings in sgov and HYSA with my checking account a max of 2 months of expenses, minimum is 1.5 months of expenses.
When I see things dip to a low, I'll first sell my losers or take the time to reallocate my portfolio and buy what is at a low.
If I want to buy more, I'll pull from my emergency savings and replenish with my checking accounts savings.
A good example is last year is this time last year, voo, VTI, VT, and a few others were at lows so I sold smaller funds or stocks and moved into these.

I'd do the emergency fund in a HYSA. It's a little less interest but it's much easier to access should you need it. I'd also not do 100% VOO. I'd do 50/50 split between domestic (SCHX) and international (SCHF).

Since non-profit roles can sometimes be less stable, your priority for that extra cash should be building your emergency fund to at least 3-6 months of expenses in your HYSA. After that, maxing out your HSA is the smartest move because it offers a triple tax advantage and functions as a powerful retirement vehicle if you invest the balance. You can use trylattice to monitor your savings goals because it helps you track my progress toward maxing out accounts like the Roth IRA while you keep an eye on stock filings for my long-term holdings.

I’m not sure that cash trap thread convinces me that BND is a better place for the conservative side of a portfolio over a HYSA right now. Basically, it’s point is that the HYSA rate is variable and based on the movement of the market rate, but the bond market has been trash for over a decade and the poster fails to explain that phenomenon.

When in for a quick time horizon, SGOV is a solid spot for parking cash you need soon because it functions much like a HYSA with slightly better yields. On the other hand, you should look at VOO as your main growth engine since it tracks the S&P 500 and is designed for long term wealth building over five or more years. You can also use trylattice for checking stock filings to ensure your growth funds are staying on track while your emergency fund remains safe and liquid.

Yes MMFs are functionally similar to a HYSA. One pro is that if you already have a brokerage account, you don't need to open another HYSA. The main con is that your principal isn't liquid. You need to buy MMF shares and hold them to receive interests (in the form of dividends), and sell your shares when you need your principal back, it takes time for the cash to settle..
But as far as I know most Fidelity brokerage accounts have cash sweep feature, your uninvested cash gets swept into SPAXX to earn interests, so you can just leave your money there like in a HYSA.

Thoughts on sgov vs HYSA for NY residents

Generally speaking, if it’s going to be used as working capital, a HYSA or money market could be a good product. Keep in mind you will pay taxes on any asset sold including stocks

You might find r/bogleheads to be useful. If you plan to buy a car within the next couple of years (less than 5 years), I would suggest putting the portion you want to use for the car in a HYSA. If you have any consumer debt, especially credit cards with high interest rates, you might want to pay those down before investing. Once you decide how much you want to invest, you could open a Roth IRA (as long as you’re employed in some form or another) and contribute to a tax-advantaged account. In the Roth IRA you could do a target date fund (make sure you compare the expense ratios as there are funds with similar names but one is actively managed with higher expense ratio). You could also do ETFs or Mutual Funds. Read up about the 2 or 3 fund portfolio in the Bogleheads sub.

Most Brick & Mortar banks (i.e. banks you can go to in person) aren't going to have HYSAs, because they have to maintain all these physical locations. Most banks like these offer .01% APY, where an HYSA will give anywhere from 3-4% APY on average.
If you want an HYSA, you'll mostly have to look at online-only banks.
In your case, I'd probably set aside at least $5-10k as a starter emergency fund, see if you can get a decent used car, and invest whatever may be left over.

Hahahaha... nope, it's all going in the HYSA until this shit blows over. 3 is better than -25

Honestly your original plan is already solid. A simple VTI + VXUS + BND portfolio is exactly what many people end up with after years of tinkering.
A few thoughts…
VTI vs VOO/SPY: VTI is usually the better default since it includes small and mid caps. SPY only matters if you’re actively trading options.
HYSA vs BND: HYSA is fine for short-term safety, but bonds are better for long-term portfolio diversification.
Separately managed account: I’d skip it. With low cost index funds you’ll pay far less in fees and get similar results.
Tax loss harvesting: With a $120k loss carryforward, you’re already in a great spot tax wise. That will offset future gains.
No need to overcomplicate things.

> VTI + VXUS + BND 65/35/20? Any better ratio?
This is 120%. The ratio of bonds usually depends on your age. Consider a target date fund [glide path](https://institutional.vanguard.com/investment/strategies/tdf-glide-path.html) to get a reasonable starting point for an asset allocation that makes sense for your age.
> VOO or perhaps SPY instead of VTI? 
No reason to select less diversification. 
> SPY because I’m wondering if selling way OTM covered calls for supplemental income be considered?
No.
> HYSA instead of BND?
No. [Bonds vs money market cash trap](https://www.reddit.com/r/Bogleheads/s/a5yx4oRBNp). Keep the long term bond allocation in something like BND or [long term treasuries ](https://www.reddit.com/r/Bogleheads/comments/1hdb2aj/comment/m1vdjhu/). Keep cash needs for emergency funds, near-term expenses in a cash equivalent like HYSA, CD, Money Market Fund, T-Bills, or [treasury floating rate note ETF](https://www.reddit.com/r/Bogleheads/comments/11prp0b/hysa_mmf_cds_tbills_searching_for_the_best_return/).
> introduced me to the concept of separately managed account. Worth it?
Is this like a direct indexing thing? Probably not worth it for most people, but definitely not for someone who already has accumulated a ton of capital losses. Assuming they were touting the tax efficiency they can provide with tax loss harvesting. 
Just use the three fund portfolio yourself.
> ~120K capital loss being carried over. Given this, is it worth it to worry about tax loss harvesting at all? 
No, I wouldn't.
If you occasionally get an opportunity to harvest the loss of a broad index fund during a market downturn: sure. Otherwise no need to put thought into this.
> 48/M 300K salary, wife 46, 200K salary.
$500k joint income, based on the account balances you provide I think more retirement savings would be wise. Ideally maxing out both 401k, both Roth IRA via backdoor method.
The kids' 529 accounts seem well funded already, you could probably stop adding more money there. 

Why the hell are you looking at dividends if you want 2-4% yield? You can get the same return in an HYSA alone right now.
Dividends are good for some things, but good return out of your early investments is not one of them. I would reconsider your strategy if this is your long term plan.

Hey all,
Hey guys looking to invest my money in something that grows. What are your favorite ETFs? I heard SGOV, is great like another HYSA but great for holdings (although I live in a no income tax state). I also heard VOO is a great index. Any help?

You should be less concerned about that 80% that you don't need for 25 years, this will just be a blip by then. If it makes it easier on you emotionally, split up that money into 4-5 chunks to put in VOO and VXUS each month. Then if it goes down more, you won't regret putting it all in now.
I'm more worried about the money you need in 5 years, that's cutting it a little close to be invested in the stock market. What do you need it for? If it's for something like a home, are you okay delaying your plans if the market is down then? A CD, HYSA, or ETF like sgov may be a safer bet for a short time frame.

Share the interest on your loans.
After you have 6 months of expenses in a HYSA and max out all tax advantaged accounts (401k, HSA, etc.) put anything extra towards loans with 5%+ interest.

Hello! I have a spare $10k cash that I’m wondering if to open a new Roth IRA and max out last years cap and start this years cap.
Or just invest more into VOO and VXUS thru my non retirement stock account.
Thoughts? Current Portfolio: 4k Sofi HYSA, 6k Schwab diversified Stocks

I have about $40K in my local credit union savings account that I'm looking to move into a high yield savings account. I was looking at Fidelity as I've seen it recommended and that's who handles my employer's 401K program. When I search for Fidelity HYSA, I see that the have a Government Money Market Fund currently at 3.29%. I know very little about finance, would this be essentially the same as a HYSA? Are there any pros or cons of this MMF vs a typical HYSA?

I would put the total amount into a HYSA and drop $10k right away and then put $2000 into it every month.
If you have earned income from 2025, put $7000 into a Roth IRA - make the contribution for the 2025 tax year. You can take a similar approach with the investment - put 20% into VT (or some other global etf) and the rest in a money market. Then move money onto the ETF every month.
You can also start contributing to a 2026 Roth IRA (again, assuming you have income from a job) on a monthly basis.
You can also start contributing to a Roth IRA