USFR
WisdomTree Floating Rate Treasury Fund
stock NYSE ETF

To compare between options, use the SEC yield, not the trailing yields. For instance, SGOV and USFR are 4.18% and 4.30% most recently. Still good options, they just don't blow VUSXX out of the water like in your table.

+ USFR

Mods removed my comment USFR. Treasury ETF. Immune to state income taxes. Im assuming thats what you mean.
Happy mods?

I'm in NYC as well. Unless you're in a 30%+ federal tax bracket, things like SGOV and USFR are likely going to outperform NY muni funds/ETFs, at least currently.
As someone else pointed out, SGOV is free of *state* tax, but not federal. NY muni funds specifically are free of state *and* federal tax. [Here's a link to a tool](https://docs.google.com/spreadsheets/d/15xzQWrXHWT2vkACbAWsEH1Cawqcbxxp8ds-eSkPN_C4/edit?gid=482124503#gid=482124503) made by another user here where you can enter your marginal tax rates and state to compare some popular treasury and muni funds & ETFs to see which one gives you the higher yield. It doesn't have all NY muni funds but you can compare the yields of others to the ones in that sheet to get a rough idea how they'd stack up.

Tons of awesome options! No pun intended. But you could SPYI and QQQI/GPIQ a portion and stick the rest in short duration treasuries like USFR/SGOV and plenty hit that goal. Saw you mention yield max funds, but I wouldn’t allocate anymore than 1-2% allocation on those in total. Best of luck! Cheers!

Since CA (and NY) are so large and high tax states, there are CA (or NY) ONLY municipal bonds that will be both state and fed tax exempt. Being in the highest tax bracket these could likely be good for you. Posted yields will be lower, but after-tax yields may be higher for you.
I'm in CA and have used SGOV and USFR.

If you have zero risk tolerance and can't risk any kind of loss, no matter how small; then treasury products are likely to be the best option. Treasury products are state/local tax exempt and will pay approximately yield curve - expense ratio. Yield curve is currently 4.2% for <1 month and 4.4% for 2-3 months; so there are options that pay 4.3%+. For example, USFR has a 30-day SEC yield of 4.3%.
If you are interested in more complex solutions than just parking USFR, you can get slightly higher, if you buy treasury bills directly. And you can reduce duration risk by choosing a variety of durations, such as a ladder structure or multiple ETFs.
If you are okay with some degree of loss, then determine a small risk of what % loss is acceptable, and choose fixed income / equity balance that corresponds to that.

Awesome. What does “Kinda” mean for USFR constant nav?

If this is emergency + house fund, put it in a HYSA or treasury-linked funds like SGOV, USFR, etc.
You don’t really get to separable choose your risk and returns. It sounds like you need to do more assessment on your personal finances and goals, in order to decide how best to deploy this money.

To compare between options, use the SEC yield, not the trailing yields. For instance, SGOV and USFR are 4.18% and 4.30% most recently. Still good options, they just don't blow VUSXX out of the water like in your table.

+ USFR

Mods removed my comment USFR. Treasury ETF. Immune to state income taxes. Im assuming thats what you mean.
Happy mods?

I'm in NYC as well. Unless you're in a 30%+ federal tax bracket, things like SGOV and USFR are likely going to outperform NY muni funds/ETFs, at least currently.
As someone else pointed out, SGOV is free of *state* tax, but not federal. NY muni funds specifically are free of state *and* federal tax. [Here's a link to a tool](https://docs.google.com/spreadsheets/d/15xzQWrXHWT2vkACbAWsEH1Cawqcbxxp8ds-eSkPN_C4/edit?gid=482124503#gid=482124503) made by another user here where you can enter your marginal tax rates and state to compare some popular treasury and muni funds & ETFs to see which one gives you the higher yield. It doesn't have all NY muni funds but you can compare the yields of others to the ones in that sheet to get a rough idea how they'd stack up.

Tons of awesome options! No pun intended. But you could SPYI and QQQI/GPIQ a portion and stick the rest in short duration treasuries like USFR/SGOV and plenty hit that goal. Saw you mention yield max funds, but I wouldn’t allocate anymore than 1-2% allocation on those in total. Best of luck! Cheers!

Since CA (and NY) are so large and high tax states, there are CA (or NY) ONLY municipal bonds that will be both state and fed tax exempt. Being in the highest tax bracket these could likely be good for you. Posted yields will be lower, but after-tax yields may be higher for you.
I'm in CA and have used SGOV and USFR.

If you have zero risk tolerance and can't risk any kind of loss, no matter how small; then treasury products are likely to be the best option. Treasury products are state/local tax exempt and will pay approximately yield curve - expense ratio. Yield curve is currently 4.2% for <1 month and 4.4% for 2-3 months; so there are options that pay 4.3%+. For example, USFR has a 30-day SEC yield of 4.3%.
If you are interested in more complex solutions than just parking USFR, you can get slightly higher, if you buy treasury bills directly. And you can reduce duration risk by choosing a variety of durations, such as a ladder structure or multiple ETFs.
If you are okay with some degree of loss, then determine a small risk of what % loss is acceptable, and choose fixed income / equity balance that corresponds to that.

Awesome. What does “Kinda” mean for USFR constant nav?

If this is emergency + house fund, put it in a HYSA or treasury-linked funds like SGOV, USFR, etc.
You don’t really get to separable choose your risk and returns. It sounds like you need to do more assessment on your personal finances and goals, in order to decide how best to deploy this money.

I love Andrew Hallam's books, Millionaire Teacher and Expat Millionaire and I think you'd find them interesting and helpful.
He follows the Boglehead approach and does a good job explaining passive long term investing as well as giving example portfolios for expats in various countries.
You might do well to check out r/ExpatFIRE if you haven't already.
As far as what to do with the 93k and 80k, it depends on your goal for the money. Anything for the next couple of years, should be in a HYSA, money market fund, or something like USFR, an ultra short treasury etf.
If you want to build wealth with the money and/or withdraw from it, you are looking at a safe withdrawal rate/retirement portfolio situation.
At your age, I wouldn't look so much for dividends, but rather total portfolio return from a basic Boglehead portfolio of VT + BND (or a bond fund more tax efficient and based on a different duration). You could break up VT into VTI + VXUS if you like or use any equivalents. [https://smithplanet.com/stuff/BogleheadFunds.svg](https://smithplanet.com/stuff/BogleheadFunds.svg)
And anything from 80/20 to 30/70 VT/BND would be what I'd look at depending on your timeline and risk level for the money. The chart in this Vanguard paper gives you an idea of the historical returns and drawdowns of various asset allocations. [https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation](https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation)
A simple solution would be AOA or AOR or their sister etfs. [https://www.ishares.com/us/literature/product-brief/ishares-core-esg-allocation-brief.pdf](https://www.ishares.com/us/literature/product-brief/ishares-core-esg-allocation-brief.pdf)
Insights on dividends/income investing and why total returns might make more sense:
[https://www.youtube.com/watch?v=f5j9v9dfinQ&t=1s&pp=ygUcYmVuIGZlbGl4IGRpdmlkZW5kIGludmVzdGluZw%3D%3D](https://www.youtube.com/watch?v=f5j9v9dfinQ&t=1s&pp=ygUcYmVuIGZlbGl4IGRpdmlkZW5kIGludmVzdGluZw%3D%3D)
[https://www.youtube.com/watch?v=9j6DInAMMaM&pp=ygUcYmVuIGZlbGl4IGRpdmlkZW5kIGludmVzdGluZw%3D%3D](https://www.youtube.com/watch?v=9j6DInAMMaM&pp=ygUcYmVuIGZlbGl4IGRpdmlkZW5kIGludmVzdGluZw%3D%3D)

* FSIXX qualifies but requires $1M initial investment https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/233809300
* FDLXX contains similar qualifying holdings without the upfront requirement https://fundresearch.fidelity.com/mutual-funds/composition/31617H300 It will have a lower yield than FSIXX, on par with SPAXX
* Believe another Fidelity Treasury option with $100K requirement exists with yield between those two. Check Fidelity's fund screener.
* ETFs such as SGOV, USFR and similar from Vanguard are also a tax option in those states and provide a higher yield than FDLXX/SPAXX.