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

You’re a financial advisor? Did you read the Bitcoin standard? Do you know anything about Austrian Economics? Of course you don’t. That’s not part of the curriculum. I recommend buying US gov bonds, t-bills etc. maybe put most of your money in an HYSA. Good luck

If a financial advisor would make you feel better it may be worth it. That said, I don’t think they are going to tell you do anything much different than you already are. Seems pretty conservative to me (not a financial advisor) if it helps you sleep at night move some out of the market into your HYSA. You aren’t losing much there with current interest rates.

I’m 28F, inherited money after my dad died. I have about 80k in mutual funds, 20k in HYSA, 120k in various ETFs, and 30k behind. Should I get a financial advisor? I feel a bit overwhelmed by all the options and what’s the best fit for me. Concerned that most of my money is in US stocks and about losing that money. Ideally, I’d like the money to sit there until I’m ready to retire, probably liquidate some at a point to help with buying a house. Any advise?

The risk free rate is the risk free rate. To think it materially matters that you benchmark with SGOV when your money is actually in a HYSA, and that the difference will be anything but negligible, is funny to me. Unless your HYSA isn't competitive, I guess?
I don't use either because I think they're shit financial instruments unless you're 100 years old

What HYSA allows you to compare to benchmark in historical performance? Answer is none. Can’t see the counterfactual.

1.) 3-6 months of emergency fund in a HYSA.
2.) Dump the rest in Bitcoin.
3.) Don’t lose your job.
4.) DCA with every paycheck.
Even in just four years you’ll look back and think you were a genius.

I’m sure it’s a nit-picky question, I just noticed it as I was loading cash into it from my Amex HYSA

That's fine, I just don't get why you went after that guy specifically. Keeping a couple thousand in a HYSA instead of putting it into an ETF is perfectly reasonable advice, no?

My entire critique was that the general advice here (that gets upvoted the most) is ridiculous amounts of money like 1 years expenses in a HYSA

Look at all other HYSA yields. Anyone who advertises a rate over 4% has either low balance maximums or special conditions (Fitness Bank). 3.86% is still better than everything else.

Which duration makes the most sense?
I would like to use the funds (roughly ~$110k to start with) in the most efficient way possible.
I figure it would probably be a mistake to lump sum a all/most of the funds into the market all at once, so I believe it’s usually better to drip-feed the money into index funds automatically with recurring investments.
I can either do once a week and it’ll take about 2 years, or twice a week for one year.
It would be around $1,000/week if done only once a week for like 104 weeks.
Or around $2,000/week for close to 52 weeks.
I guess the third option is to do it daily, but that really wouldn’t cover much time so I’m not sure if it makes sense.
Is the longest duration *always* the best/most efficient choice in a situation like this? Or is there an argument to do it more quickly? If it makes any difference, it would be $550 to VOO, $450 VUG, $68 VXUS.
The current spread is roughly:
Index funds:
VXUS - 41.00%
VOO - 41.02%
VUG - 8.25%
EUAD - 3.50%
Stocks:
RKLB - 4.35%
Crypto:
BTC - 1.87%
I have roughly half of it sitting in a HYSA, and I also have an emergency fund. I’m 35 and single with no children if that makes any difference.
I appreciate any input.

So to explain a little more then the others what are correct, a Money Market Mutual fund share price is always pegged as $1 , Sort of like a HYSA right. Like your HYSA does not fluctuate , you put $1 in, it stays $1.
And just like a bank account you earn interest , and just like a HYSA you earn interest daily . So if you invest $100 into a MMMF at the end of the month you get paid some interest and it will be reinvested and you will get more shares
However the shares stay pegged at $1 a share, how does the fund do this? Well technically they declare dividends every day . So every day is a ex dividend date. However they only pay out interest once a month. This is how they keep 1 share = $1
There are ETF that pretty much act as an equivalent like VBIL or SGOV, however they do not declare dividends daily but monthly , this means that the ETF price will slowly rise though out the month , until the 1st then fall by the dividend
Its pretty much functionally the same

She's a little late to see that 3k grow in the stock market so the easy answer of VOO is out. I would guess SGOV or just a HYSA(High Yield Savings Account) to keep the investment on the safer side and earn a little from it. You could also go riskier with those yieldmax funds but I don't know enough about them to suggest it to my own mother.

FDIC HYSA immediately, also catch up funding on a Traditional IRA and an HSA are great options to lower taxes right now. Remember RMDs for the IRA but the HSA is pimp. Utilize CDs in those accounts too. Don't go chasing yield or interest. Utilize ROTH if she wants to have heirs inherit moneys.

Nothing wrong with that. If it's an emergency fund, consider a plain money market, which is really just a collection of very short treasuries. Or SGOV. Individual bonds are fine but less liquid.
We've seen people not sleeping over 3.95% vs 4.05% yield for their cash. If you do the math, even on $50,000, the difference between these is $4.15 per month. If you're happy with your HYSA and not holding 6 figure piles of cash, you can certainly keep it there.

If you invest that fund in the S&P 500, it will no longer be an "emergency" fund.
Sure, the market is on fire and everyone forgets that the we will have volatility, corrections, and bear markets.
Say you had your emergency in the S&P 500 and the emergency came on April 7. That would have been quite unfortunate.
Emergency fund should be in a HYSA or government bond ETF.

Hey everyone, I'm 22, working part-time at Apple corporate while in school (\~$22.25/hr, 20 hrs/week), and trying to build a strong financial foundation early. Would appreciate any feedback, sanity checks, or optimizations you all might suggest.
Current investment setup:
* Roth IRA (100% VT, Robinhood)
* $134.62 auto-deposited weekly from checking
* Robinhood Gold gives 3% match, so \~$138.65 auto-invested into VT weekly
* Will hit the $7k annual cap by year-end, also maxed out last year
* Taxable Brokerage (100% VTI, Fidelity)
* $134.62 auto-invested weekly into VTI
* Planning to treat this as a long-term investing account alongside the Roth
* 401(k) (100% VFFSX, Fidelity Roth 401k)
* Set up as a Roth 401k as I expect my income to rise in the future
* 6% of each paycheck, 50% employer match
* Invested in Vanguard Institutional 500 Index Fund (basically VOO)
* ESPP (100% AAPL, E\*Trade)
* 10% of my paycheck goes into Apple's ESPP, which offers a 15% discount off the lower of the AAPL's stock price on the first day of the offering period or the last day (every 6 months).
* Unsure whether to sell shares as soon as they vest to lock in the discount gain, or hold for future
Other notes:
* Roughly $4,000 between HYSA and checking for emergencies
* No bonds yet - fully in equities for now
* Credit score \~750, no major debt aside from some CC balances I'm paying down
* Investing \~66-70% of my income at the moment (low expenses + student status)
* Robinhood cashback (3%) from Gold Card is going into VTI in taxable
Questions:
* Am I being too aggressive with equities? Should I start building a bond position soon? I figured not since I'm still young.
* Any tax-advantaged strategies I'm missing at this stage?
* Does the VT + VTI + VFFSX/VOO combo make sense, or is it unnecessarily overlapping?
Really I'm just looking for general affirmation or course correction. I'm trying to keep things simple, automated, and long-term focused. Appreciate any thoughts, thanks!

And this is why I’ve been holding my remaining balance in a HYSA. Gonna be a fat lump sum and done. Fuckers aren’t getting another dime of interest out of me.
I’ll miss the 4% on $100k though

Your mental health will thank you for having an emergency fund. The money isn't "doing nothing". Its a shield protecting your every day spending habits. You don't need to sell investments, or "pinch pennies for a couple months" any time a surprise expense comes up.
I would start with holding at least 1 month of expenses while starting to invest. That way you have a small shield, but most of your money would be invested.
Ideally you would work up to saving 3-6 months emergency fund. And save it in a HYSA high-yield-savings-account

Pretty much. Biased emotional Redditors should stick to a HYSA or something