aggiebrad16 said:

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Anyone passionate about a specific money market to park cash in their Schwab account? Looks like they have several to choose from. I figured I'd just choose SWVXX but was wondering if anyone else has other thoughts

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SWVXX is fine. You can sell CSPs against the cash you have in it.

aggiebrad16 said:

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Anyone passionate about a specific money market to park cash in their Schwab account? Looks like they have several to choose from. I figured I'd just choose SWVXX but was wondering if anyone else has other thoughts

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How does that work, just buy SWVXX and it earns what?

When i look here
https://www.schwabassetmanagement.com/products/swvxx


Based on this, it's a daily distribution of

Daily Distribution $0.000366227


Net Expense Ratio: 0.340%


How do these two offset? Is the expense ratio divided by number of weeks in the year or something?

Bottom line, how long you gotta hold to break even?

Just look at the yield

It pays 4.46% APY. You don't need to break even.

Diggity said:

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Just look at the yield

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So the yield and 0.35% expense ratio are both annualized numbers?

Only yield i found was this


7-Day Yield (with waivers)
As of 11/18/2024
4.46%

I think that means the yield of the past 7 days annualized.

Looks like I'm allowed to buy SWVXX in my self managed 401K fund so this is useful!

Some things I'm not allowed to buy in my self managed 401K fund, I guess because of certain types of dividends or taxes....?

the last three times I have purchased corporate bonds..

they have all been called a few months later!

I am trying to lock in for several years something that will return a guaranteed rate without worrying about the principal and doing better than the cost of inflation.

any other ideas for fixed income I can lock in for 5 and 10 years?

Jumped out of PLTR after a quick 50% gain and waiting for a pull back. I think this is just one of those stocks you sit in for 5-7 years. Also have the same feeling about RDDT, but also feel it's just a message board that has interruptions and won't turn a huge profit.

northeastag said:

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Held MCO (my former employer) since it was $17. Currently at $400+, and looking for a good exit strategy.

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ITM!

LMCane said:

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the last three times I have purchased corporate bonds..

they have all been called a few months later!

I am trying to lock in for several years something that will return a guaranteed rate without worrying about the principal and doing better than the cost of inflation.

any other ideas for fixed income I can lock in for 5 and 10 years?

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I'm looking for the same

Aren't their various forums of tickers like SWVXX, SPAXX

Some are more corporate bonds, money market or treasuries...etc?


I vaguely watched a video the other day and saved it. Need to.go back thru it. It lists several and thr type, the risks...etc





Also, the risks woth a corporate bonds being called early means you're money is returned and you're no longer drawing the interest? So if you aren't logging in regularly it could sit for a while in cash, with inflation chewing away at it

jamey said:

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LMCane said:

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the last three times I have purchased corporate bonds..

they have all been called a few months later!

I am trying to lock in for several years something that will return a guaranteed rate without worrying about the principal and doing better than the cost of inflation.

any other ideas for fixed income I can lock in for 5 and 10 years?

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I'm looking for the same

Aren't their various forums of tickers like SWVXX, SPAXX

Some are more corporate bonds, money market or treasuries...etc?


I vaguely watched a video the other day and saved it. Need to.go back thru it. It lists several and thr type, the risks...etc





Also, the risks woth a corporate bonds being called early means you're money is returned and you're no longer drawing the interest? So if you aren't logging in regularly it could sit for a while in cash, with inflation chewing away at it

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the last point you mention is exactly the problem that I see

1. it's annoying having to constantly go to the bank and have them move funds so I can do a "back door Roth IRA" purchase

2. then I make the purchase with corporate CDs, they get called, and I have to start all over again.

3. and to your point, I just happened to open the endless mail I get from Schwab to see that it was called so it could be easily missed and just sitting in money market at .3% interest

two of our most prolific over-thinkers in one thread.

Real question- if this is a worry, why not just hire an Edward Jones or other advisor? The fees probably are cheaper than the anxiety and potential loss of return

LMCane said:

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1. it's annoying having to constantly go to the bank and have them move funds so I can do a "back door Roth IRA" purchase

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Constantly == once a year?

didn't even get to enjoy 69

I'm just gonna go with SPAXX and book mark their website, check it every month or so



With all the talk of the market broadening out I think I'm going to put some of my AI gains in SCHD too. I was pretty top heavy in AI so I cut that by about half and moved to SCHD for some solid value companies with a dividend that are likely to be part of the broadening out of the stock market with a little less downside

Some of my AI buys were up over 40%

I've increased by bitcoin allocation as well

Anyone else looking at value ETFs like VTV or SPYV or even SCHD dividends? I still have some AI stuff but at some point these value companies will be the user's of AI and should see a bump long term

EliteZags said:

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Based https://t.co/dd1RW6ITrj

— Elon Musk (@elonmusk) December 8, 2024

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Fire.

Wish I had bought more.

I sold PLTR, wish i had not but made good profit and if it ever drops I'll get back in

I don't like buying stuff with PEs in the hundreds

Whats a good international ETF without the US?

Greed has everyone high on the US but long term the rest of the world will eventually have their day i figure

there's a bunch of mutual fund/ETS's that are "ex US"

they've not performed well over the last decade, and I'm not sold on the future honestly, but things can always change.

I recently bought about 15 shares of FMC in my IRA. Just missed when it dropped under $14, I think it is a good long term hold.

jamey said:

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Whats a good international ETF without the US?

Greed has everyone high on the US but long term the rest of the world will eventually have their day i figure

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Who knows. Goldman is pretty bearish on everywhere but the USA and they have their claws in everything.

YouBet said:

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jamey said:

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Whats a good international ETF without the US?

Greed has everyone high on the US but long term the rest of the world will eventually have their day i figure

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Who knows. Goldman is pretty bearish on everywhere but the USA and they have their claws in everything.

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I've heard some project non US stocks to be up at some point if for no other reason than greed is concentrated on the US stocks right now.

I'm not going in heavy but accumulating some VXUS

China has some upside but hard to invest directly there. Also not very transparent.

the rest of the world would prefer to be greedier if their fundamentals didn't suck so badly.

jamey said:

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YouBet said:

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jamey said:

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Whats a good international ETF without the US?

Greed has everyone high on the US but long term the rest of the world will eventually have their day i figure

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Who knows. Goldman is pretty bearish on everywhere but the USA and they have their claws in everything.

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I've heard some project non US stocks to be up at some point if for no other reason than greed is concentrated on the US stocks right now.

I'm not going in heavy but accumulating some VXUS

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I already have my allocation to foreign. VXUS is in that bucket for me as well. Basically, my FA is advising to not invest anything more in international.

all in on US cus I like making money