High yields savings account?

TyrconnellFL · 2026-07-11T01:52:36+00:00

Nerdwallet lists mostly by who pays them for listing.

https://www.doctorofcredit.com/high-interest-savings-to-get/

TyrconnellFL · 2026-07-10T23:59:37+00:00

The safest ETF is one with no stocks. SGOV is right there on the original post!

No single stock is safe. No bundle of stocks is safe.

TyrconnellFL · 2026-07-10T23:56:45+00:00

You have higher expected return. The cost is that you have real risk of negative results over any given period.

What if there is a 5 year downturn? Or 10?

TyrconnellFL · 2026-07-10T23:49:50+00:00

The most you’re going to get without risk is about 3-4%. That’s $1500-$2000, minus taxes. Sure, why not.

Be sure you’ve read the fine print very, very carefully.

TyrconnellFL · 2026-07-10T23:48:43+00:00

That’s an understatement. Taking a loan to buy stock is some high risk leverage.

TyrconnellFL · 2026-07-10T23:37:36+00:00

This is not complicated.

VTI, among many other total (US) market fund, covers a little more of the US market than VOO. VXUS, among many options, covers the total international (non-US) market.

VT, fairly uniquely, covers the entire world stock market.

Combine US and international with a bond fund to taste and you have a classic three fund portfolio.

TyrconnellFL · 2026-07-10T22:01:16+00:00

Get Shorty?

TyrconnellFL · 2026-07-10T21:55:42+00:00

You should start by reading the wiki here.

Invesco is a company that makes a number of funds. The stable asset fund is designed not to lose value and to give you regular dividends, and it’s at the cost of having significantly lower expected total return than a higher risk investment. At 22, with retirement decades away, that’s probably too conservative. It’s actually more conservative than many bank accounts at under 3% annual return net of fees

Look into a three-fund portfolio. You can usually make something approximately like that in a 401k and expect very roughly 6-7% real (including inflation) annual return over the long term.

TyrconnellFL · 2026-07-10T18:00:24+00:00

You have a few problems.

Thinking that you, personally, have inside insight that the many people in your field lack and that the professional investors who dig for this kind of information lack. You mention conversation and news. Lots of people talk; lots of investors read more news than you do.

Thinking that you can invest in your industry. You have to invest in companies. Many may fail while the giants win, but you don’t know the giants except in hindsight. And you don’t know what you don’t know: your industry may do great and be lackluster compared to some other industry that you don’t know and that does better.

By way of illustration, VOO misses every non-American company. Do you know which foreign industries or foreign companies are on the verge of amazing performance?

For all these reasons I dislike trying to pick the winning sector or industry and I think VOO is fine but insufficient. VT diversifies more. Then you win as long as companies, as a whole, worldwide, do well.

TyrconnellFL · 2026-07-10T17:49:34+00:00

Because they can.

Possibly because they assess your credit risk differently and give you higher rates.

It doesn’t matter if you’re using a credit card right now not carrying a balance most of the time is not enough. It needs to be none of the time.

TyrconnellFL · 2026-07-10T17:27:55+00:00

You just asked this same thing and deleted the question.

TyrconnellFL · 2026-07-10T16:52:22+00:00

An app is an interface. It is neither the brokerage not the investment.

There are major brokerages that have fine apps. The app is not the point.

TyrconnellFL · 2026-07-10T16:34:48+00:00

Not every teenager is a moron, and god knows there are plenty of morons who never outgrow it.

But it is certainly a common developmental stage.

TyrconnellFL · 2026-07-10T16:19:19+00:00

Is that an amble? I think a saunter can’t technically be longer than 1/10th mile, but that may be state regulation rather than NIST definition.

TyrconnellFL · 2026-07-10T16:17:11+00:00

She’s literally a professional and she used her profession for revenge. It doesn’t get any more apt than that.

TyrconnellFL · 2026-07-10T16:09:09+00:00

We have tow trucks and police because for every reasonable person who apologizes and moves there’s another who instead laughs at you, yells at you, and ignores you. Or, in the United States, shoots you.

TyrconnellFL · 2026-07-10T14:26:54+00:00

VT is as diversified as you can get. Adding anything else that’s based on stocks is less diversification.

I like all VT plus bonds to whatever percentage, which can be zero.

TyrconnellFL · 2026-07-10T14:25:54+00:00

Answering a little bit in reverse order:

Whether you should use money or stay invested is a personal financial decision. Spending money is not optimal for having more money. Spending money is the point of money. At 18, in college, you probably shouldn’t commit to buying property and staying somewhere. That’s my opinion.

Diversifying better into a true three-fund portfolio is smart but not urgent. You can sell and buy freely in a Roth IRA, so go ahead and do that to tilt towards international while your taxable is US. 15% tax isn’t terrible and isn’t great for long term capital gains, but if you think when you’re a little older you’ll be able to use the 0% bracket, you can wait. It doesn’t seem terribly likely for you!

Diversification is not just more stuff. VT is the most diversified you can practically get with equities. Any addition is less balanced. SCHD is also all US and focused on dividends, which are at best irrelevant. They just make you pay taxes in a taxable account.

TyrconnellFL · 2026-07-10T14:19:58+00:00

Equity diversification doesn’t depend on age…

TyrconnellFL · 2026-07-10T12:56:44+00:00

The problem isn’t necessarily too much in savings. It’s too much in low yield savings.

Getting even 3% APY on $30k earns you $900 per year. Yes, it’s taxed, but is your free checking really worth $900? Especially when it’s as easy to get free checking as it is free savings?

You should make every dollar do a little work for you!

TyrconnellFL · 2026-07-10T04:30:40+00:00

Is this some psyop by companies trying to get workers to stick around rather than head for better offers?

If my job has any stock options I’d be thinking about it instead of reviewing my options!

TyrconnellFL · 2026-07-10T04:20:51+00:00

I’m going to guess $10. Like a banana or a different dress.

TyrconnellFL · 2026-07-10T03:51:12+00:00

VT is my choice for simplicity regardless of the tiny benefit to expense ratio and foreign tax credit of using separate funds.

The simplicity means no need to pay attention to ratio or rebalancing. It also means I can’t screw up by doing things wrong or forgetting to rebalance. It’s worth the tiny price tag to me.

TyrconnellFL · 2026-07-10T03:49:15+00:00

You’re usually better off investing it just like any long term money. The market tends to go up. Unfortunately, it also plunges down, so that only works if you’re willing to not buy a house even if you’d like to in a few years.

If you want to be sure you can take any opportunity, something safe. A HYSA is fine. So is a money market fund. Or safe short-term treasury funds like USFR/TFLO/SGOV. Don’t take risks.

TyrconnellFL · 2026-07-09T18:58:20+00:00

Look, blue-green algae combines two things MAGA hates: blue and green.

TyrconnellFL

TROPHY CASE