Personal Investments • Re: Short term cash holdings

Hi Everyone- I'm considering different vehicles to hold cash for a year or so. I've been comparing SNSXX and VGSH and similar. I was wondering if anyone had any thoughts on this? Both hold primarily treasuries, SNSXX has a higher expense ratio. Thank you for your thoughts.

to op
For only 1 year short term, "vehicles" must have:
Security of Principle: (no volatility, stable value and secure).
Accessibility (there when you need it, not locked in).
Liquidity (in a form that can be converted to cash easily or is cash).

Treasury ladder, short terms, (not funds).
CD ladder, short term, 6 mos 1 year, etc.
MM
High Yield accounts, etc.

IE: if you pursue a "fund" with an ER, and is volatile because of "yield". At the end of 1 year when you need that money, consider your yield minus the ER minus a drop in value if that happens (May 2020???).

j

Statistics: Posted by Sandtrap — Thu Aug 01, 2024 6:14 pm

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