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

Inheritance sitting in HYSA. Should we be investing in Treasuries ?

Just move 150k from HYSA and invest it in VTI. Makes no sense in getting 4% yields when the market can give you more than that. If you want to diversify then perhaps VTI and VXUS in 70/30 ratio

reminder: HYSA(s) are not state tax exempt (typ)

The reason you don’t invest it is because the market is generally volatile for 5 years, but after that it’s generally positive. So keep that in mind. I sold my house and kept it in a HYSA.
What you can do is this, keep what you have currently in HYSA, and invest future in taxable brokerage for a downpayment. Just be sure you aren’t negative when withdrawing and there’s no penalty. It’s a flexible account.
Currently I’m making out a roth, 401k, HSA and I add about 300-400 a week into my taxable but that’s for an early retirement bridge or for my next house (I already own), or can be used for a car.
Think of it like this, retirement accounts are for security while taxable brokerage is for flexibility and HYSA is for short term goals

Joint account for everything. Sayang nga walang HYSA na true joint account like trad banks. Para sa mga ipon so we can get 5% PA I have it under my name for now.

The next step is to open a taxable brokerage account. Since your retirement accounts are all at Fidelity I would recommend doing it there. I would move your current HYSA money there for simplicity but you wouldn't need to. From there it depends what your goals are.

Make sure it does not have auto rollover enabled if you use CDs, they almost always auto rollover to a much lower rate. (At least at traditional banks)
A HYSA with check writing will have quicker access to your money if you want to do something like buy a car and don’t want to pull the money out ahead of time

About five years ago during Covid we lost all of our money. We work in hospitality and both new jobs and burnt through our savings with living and multiple major moves.
In the last number of years, we’ve started a business that’s been successful and after studying this board really buckled down with our finances. This is where we currently are:
Ally HYSA: $150k (this is emergency fund and also holdings for next years tax payments, summer camp, etc). Earning about 3.5% was 4.75% when I opened it.
Roth: $30k VT
SEP: $40k VT
HSA: $20k VOO
(All fidelity)
401k: $60k S&P 500
Currently have about $60k also sitting in our checking account.
We have no debt and we rent our house. We live in a VHCOL area (our work requires this) and thus far renting has made much more sense than buying. We are open to hopeful that maybe we could buy in the next number of years - but right now the point of entry for something decent is $2m and it just doesn’t make sense for us. We currently pay $6k/month in rent. Our annual income is variable but roughly $300k combined.
With this “extra” money in our checking account and moving forward where should we be parking this. We are maxing SEP & IRA and are no longer eligible for HSA. We contribute to 401k beyond the match but we haven’t been maxing it because we’ve felt nervous having the money be that untouchable.
What’s the best next move? We got a late start due to life circumstances but we are trying to catch up smartly while still allowing ourselves a bit of room to enjoy some of what we are making now after so many years of financial strain.
Thanks for any input!

Correct. Just think of it as a HYSA .

I’ll hold it for you
If you don’t want to invest it then you can churn signup offers from HYSA like capital one if you want. Nerd wallet has a list of bonus offers if you google it.
If you’re in a high state tax state then a tax advantaged money market like SGOV VBIL VUSXX or FDLXX might eke out better returns.
If you’re keeping long term then TIPS or a T bill ladder can work too.
Honestly tho all of these are rather low income generating and there really isn’t a bad choice. Even a 1% change in return rates won’t move your needle much and most of these are within a few basis points of each other. Just pick convenience and tax advantages

If you’re not in a position where you have enough extra cash every month to invest, then you might as well just park that money in a HYSA.
You’ll never get over your jitters unless you can build up the investing muscle by making it a repeated event in your life.

I'm up 31% YTD on my portfolio which contains some AI investments. Not sure what you're talking about "not profitable" 
You can always settle for 4% in an HYSA though I guess

Max out the IRAs, stop trying to time the market, stop buying individual stocks, move HYSA into broad market index funds. Consider keeping the SGOV as your emergency funds.

Yeah, I was mostly holding the HYSA/SGOV because I kept expecting the market to correct after VOO went up so much. Clearly that didn’t work out.
The individual stocks were bought 10+ years ago, so I’ve been hesitant to sell with the gains/taxes.
I only recently started contributing to the IRAs, so that’s why they’re relatively small. Unfortunately the IRA limit is only $7k/year, so it takes a while to build them up.
Definitely sounds like I need to simplify and get more into broad index funds.

Why so much in the HYSA? If you don't need it for decades put that in the S&P. And then why so much in individual stocks? And so little in IRAs?
It seems like you should be maxing out your IRAs with your HYSA money and parking the rest large index funds. leave enough in the HYSA for an emergency fund

I’m 34/35 and have around $400k in investable assets. This is basically retirement money, and I don’t expect to need most of it for decades. I also probably won’t be making regular monthly/yearly contributions going forward, so I’m trying to figure out how I should allocate what I already have.
Roughly:
\~$220k in HYSA earning around 4%
\~$35k in SGOV
\~$120k+ in individual stocks, mostly AAPL, NVDA, AMD, MSFT, TSLA, AMZN
Small amount in VOO
\~$20k in a Roth IRA and \~$20k in a Traditional IRA, both currently in Fidelity Go accounts 😂🤣
My plan with the Fidelity Go accounts was basically to let them grow past $25k and then move them into regular self-directed IRA accounts at Fidelity.
Most of the individual stocks were bought quite a while ago, so I have some significant unrealized gains.
I’ve kept a decent amount in SGOV/cash because VOO/S&P 500 had been going up so much that I kept thinking there would be a correction or crash and I’d be able to buy in cheaper. Obviously, that hasn’t really worked out 😅

Curious about this, so found this in the disclosure for Performance Savings (their version of HYSA) "Our savings and money market accounts permit no more than six (6) transfers per statement cycle to a third party or to any of your other deposit accounts at Capital One. There is no limit in the number of transfers that you may make into your account. Note: We are currently not enforcing the transfer limits. You'll be notified if we choose to re-impose these limits."

First off nice collection.
Before you get any further, do you have a decent emergency fund in a HYSA? Any major credit card debt or any thing like that? It would be best to pay off that first before investing in anything.
Then you need to figure out if this is a hobby where you get shiny things because they are cool or if this is part of your financial situation. It could be both but the choice will help you focus your spending.
From what you’ve got so far it looks like you are collecting shiny things. Nothing wrong with that.
Buy what you like but don’t expect to make a profit.
Most folks stacking physical silver as a financial hedge get ASEs and buffalos (or Maples or Brits) as those are the most liquid of the options. Many people include 1 and 10 bars. Some go higher and get kilos and 100oz bars and I’m sure they have their reasons.
I stack some of almost everything. Tubes of ASEs, Maples, Brits, Buffaloes, limited editions in slabs, random 10 oz bars, 5oz rounds, piles of 80% and 90% constitutional “junk”.
As far as what your parents or grandparents have, I would not even think about it. They will probably sell their stack to pay for retirement.
Good luck and have fun.

Don’t have access to a HYSA around where I am and I don’t want to look at online banking out of just not really trusting a lot of things online with my information. With this info is it just best practice then to invest in VOO, VTI, VT, or VXUS maybe with some investment into single stocks in the tech or energy sector and drop the SCHD holdings completely?

If it’s money you need for the business, put in a HYSA. Otherwise, don’t YOLO company funds on NBIS.