SGOV
iShares 0-3 Month Treasury Bond ETF
stock NYSE ETF

Why wouldn’t you just keep three years of living expenses in money market and SGOV and only sell equities when the stock market is not down? I’m not trying to argue. I’m asking a serious question. I don’t see the need for bonds other than short term treasuries.

SGOV will pay next to nothing in a recession. It is just short dated T bills and tied directly to the federal funds rate.

Bro my account value is like 240k with 50k ib long options and 20k cash..
I’ve sold puts on ~200k worth of equities, and put the cash proceeds into SGOV to collect the interest as theta does its thing. It’s fuckin ridiculous. The hardest part is finding enough good candidates to sell CSP on so there is little concentration risk 

This is a good answer and a good thread. Very few stocks or ETFs will avoid a sell off if/when the bubble pops. That said, here are some options:
Berkshire Hathaway (BRK) is a good one. It will drop, but not by as much and will recover more quickly because they have cash for share buybacks.
International (VXUS) is less exposed and less richly valued, though obviously would also take a major hit.
Rails (CNI/UNP) and utilities are always a good place to park money. Waste management stocks (RSG/WM) And lastly, Canada (XIC/XIU).
Canadas market has been quietly crushing the US the past two years. They’re resource rich (oil and gold), their interest rates are lower and more stable, and they’re not nearly as exposed to the AI play. A lot of smart money going to the Canadian market as a hedge right now.
If you want the safest play, short term treasuries ETFs like SGOV will combat inflation and won’t drop. That said, minimal growth.

Because SGOV is still a bond fund in a volatile stock market.
Buying individual bonds, like I-Bonds/CDs/T-Bills/etc have an even lower risk profile. Capital preservation is more important in retirement (and the years leading up to it) than the accumulation phase.

Mentioned if in the post, but do you think something like SGOV is an acceptable replacement for bonds?

What are your baseline expenses? You should think about annuitizing some of your portfolio. Like $150k-$250k a simple SPIA for lifetime income. Add a $200k-$300k TIPS Ladder for inflation protection. And what ever if left do your 50/50. But I would do 50% VT / 25% SCHD/ 25% SGOV or JAAA.

Leave Wealthfront. That 0.25% fee sucks and is absolutely a drag on your IRA's returns forever.
Better to leave now.
If you have a HYSA you can try researching SGOV.
I recommend Schwab since their customer service is top notch and easy to speak with a real knowledgeable human with and there is no ridiculous 0.25% fee.
Good luck.

When you earn interest on SGOV do you receive it as cash or more SGOV?

Same.. I'm in my late 40's and 45% stocks and 55% SGOV.
I have wanted to deploy more into stocks but they keep going up up and UP!
Either I'm stupid or the market valuation is. But I can't afford to gamble so SGOV it is for now.

Yes. 2 years in SGOV. The rest in SCHD and VOO.

Is a financial advisor, one time consult fee worth it? Dual physician who started earning $1.1M annually. Basically learned everything from WCI, bogle heads, physician side gigs regarding maxing out tax strategies such as 401k/403b, backdoor roth, hsa, dcfsa. Started 529 for our baby. 6 mos emergency fund. 150k in SGOV (for house downpayment in 2-3 yrs). Has laddered term life insurance, occupation specific disability. Now dumping all extra to brokerage VTI/VXUS (90/10). Wondering how an FA can further help us. I do understand they are experts so maybe can give us a different perspective for stability and wealth building. Thank you for your input!

C - but I have 3% MLPI and 2% BTCI. The monthly income usually goes into SGOV, SCHG, or buying more of the loser. It has been working ok when I can't contribute. These CC funds are close to paying off the initial investment so whatever happens next is just more money.

It’s about 10% for me split evenly between QQQI and SPYI. The rest is VOO/SCHD/VXUS/SGOV (for emergencies).

Also VT. Keep short term cash needs in SGOV.
The less you have to tinker with your portfolio and decide how to balance between US and international, the better.

Enjoy 'trading' SGOV and boxx bro, what set ups do you use on them?

SGOV, boxx

I was considering moving \~ 10% of my retirement funds (roll over IRA source) into a 3-yr MYGA that is now sitting in SGOV. The amount would be under my state's (CT) cap for insurance coverage.
I'm in my 60's, but still working. I do not need to touch this money. I was looking at Canvas (B++) and also Blueprint (A-).
Questions:
1. Is this a mistake over SGOV?
2. What is my real risk if I am invested under my state's insurance protection limits
3. Is there some other better MYGA to consider?
4. Is there any reason to avoid Canvas/Blueprint?
Thanks for any insight.

I think it’s a great split.
I might consider having 1-2 years worth in something like SGOV to minimize sequence of returns risk/needing to sell in a bad market

By 50/50’i hope you mean in equities you own , not total portfolio. 50/50 is a good start , but have a sizable amount in bonds, CDs and/or T Bills. Protect yourself to be able to endure the inevitable market downturn . You do not want to have to sell equities in a down market . Have enough in a cash bucket ,SGOV as an example, to hold you over until TBILLS or CDs mature so you do not have to sell . VYM as part of the SCHD split is s good one as well. I also like to put a small percentage in VTI as a growth fund. 5 to 7% .