I'm about to receive about $45k. I need to keep it somewhat liquid for the next year or so, so can't just dump most of it into long term CD's, online HYSA, or brokerage (mostly because I dont want to risk significant loss/taxable gains). I have been considering a CuSocal Soar Money Market account (1.24% dividend, 1.25% APY) as I will be using some of this money to help family and myself pay off some small debts. Does anyone have recommendations either for or against this account?

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Vanguard Federal MM is at 4.28%. That’s what I would use.

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I'm not understanding why an HYSA is not considered somewhat liquid?

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It depends on your state but I'd build a T-bill ladder. It's safe, state tax-free gains, and makes about 4ish %.

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One other possibility to consider would be VanExk Semiconductor ETF. Last year saw a growth of 42%,. This ETF appears to be fairly liquid, and has experienced a recent drop that would allow your $45K to buy more.

A muni bond might be a great choice. It is liquid,and it also pays you a tax-free dividend monthly as well

Marcus has abt 3%?

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