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PM me son, I'll keep it safe for ya
You used an anonymous account champ
He's a Nigerian prince. Just didn't want to tip his hat. Don't worry, the money is safe with him, esp if sent via BTC or Monero.
if you don't want to lose principal, stick to something with a guarantee, like T Bills, CDs, and so on. everything else has some risk to it
That and some online checking accounts that offer +/- 2% yield annually. Ally Bank or similar, just make sure they're FDIC insured.
Goldman was offering 2% on it’s checking account until a while ago, and I know that Robinhood was planning a 3% growth checking account (but I’m pretty sure the government stopped them for some nonsense reason).
CDs are not liquid there may be penalties to early withdrawals. T-bills are a good example and money market accounts.
you can get short term CDs bro, just like t bills, they're not all multi year.
ergo, liquidity (not same day like mmkt, but close)
Bond ladders/T-bill ladders, etc...
MINT, FLOT, and others are some short-term (1yr) bond ETFs that will get you 2.5-3% yield with minimal principal risk
ETFs are of interest. But 3% is pretty low. Got anything with a bit more juice?
Those two I recommended have virtually no principal risk given the duration. Basically higher-yielding to other cash alternatives like CDs.
SRLN and BKLN are Senior Loan ETFs that yield 5%+ but you are taking some principal risk there.
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There are some decent treasury mutual funds, I use MSLIF from Morgan Stanley. Think I'm getting 1.7% at the moment, same day liquidity.
I use it as my savings account effectively. I don't keep much in the bank beyond expenses + small cushion.
IDK I don't have any monies.
Stable Value fund
Marcus by Goldman Sachs offering 1.7% on money market accounts
A few questions, define the timeline on liquid, define the capital draw requirements, define the likelihood of capital call and return targets.
I would argue if the capital pool is large enough and the draw requirements are only a fraction of the necessary capital needs that real estate would be the best bet. You can always borrow against the asset(s) to "quickly" raise capital for other needs, the return profile will blow the other suggestions out of the water and it is a real cash generating asset. The rest of this stuff won't even top inflation.
Has some downside risk but I would aruge that in the short run it is very low and only a risk before you extract capital out of the asset.
Oil stocks for dividends and extreme liquidity.
lol
I have a short on oil majors for this exact reason. It is inevitable that they will have to reduce or eliminate dividends as they are all pretty much hemorrhaging cash. When this happens, the stocks will continue to slide.
A basket of low-correlation equities that you add to slowly over time when your savings come in. Diversify away from that with some real estate.
collect fine spirits keep your money LIQUID for the SAKE of ROI don't drink it though
or you will get POUNDED IN THE ASS amiright?
clearly not your first day on WSO ;)
~BiTcOiN~
Hole on the side of I-80 in Nevada
Precious metals such as Gold,Silver,Platinum, or Palladium. If you have serious money, you get IF diamonds. The market of precious metals is very liquid, someone will definitely buy what you are selling, but it may take some time.
sauce me youre western union user name and password, ill keep it safer than safe in Turkmenistan.
Switzerland
Liquidity and risk tolerance are two very different things. The market is liquid but has risk. How much risk are you willing to mix with liquidity?
The thing about total liquidity is, after 30 yrs of PWM, I rarely see clients who actually use the liquidity. They just keep their money liquid but lose opportunity. How much do you really need liquid? Different answers if you're looking to stroke a down payment on a house vs. just keep liquid for a rainy day.
noteworthy and insightful comment. What do you typically advise your PWM clients instead?
Depends on their goals. If they truly need $X liquid short term, cash (typical bank products). If they want upside growth potential with liquidity (no plans to use it but just want it available) there are all kinds of market products, managed acocunts, ETFs, UITs, Preferred stocks, etc. As long as they can earn more than bank products net of fees they're good to go. Again, if they need it available for a specific X, I'd keep it out of harms way but lots of folks just have nonqualified accounts sitting liquid forever. You're not going to put all that in low growth instruments for 10 yrs.
I’ve been signing up for checking and saving accounts for the sigh up bonus and move money as soon as I get the reward. Great for up to $15,000, or just divide up the amount into different accounts
which checking accounts?
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