Just noticed my betterment cash account is only 3.25% now. Anyone know of a higher interest HYSA/cash account to park cash into? Needs to stay liquid as it’s earmarked for on going renovations. TIA.

like
Posting as :
works at
You are currently posting as works at

You can maybe find some promo rates higher than that, but you're just going to be chasing 0.5%. Not sure if it is worth the extra effort

likehelpful

Consider how much effort you're spending on this.

For round figures, let's say you have $50k and you manage to find a fund at 3.5%. The difference is $10.42 a month. If you're using this money in the next 3-9 months then you'd be doing a lot of work juggling between funds for not a lot of juice.

Your time is probably better spent optimizing cost of the renovation itself.

likehelpful

Whatever you do, make sure the account is an FDIC-member bank and not an affiliate. Products sold by affiliates are generally not FDIC-insured. My understanding is, if you put your money in an affiliate, you won't necessarily lose your money. But it may prevent you from accessing your funds in the event of a severe market crash.

likehelpful

VUSXX

like

If you would consider a money market fund instead, VMFXX is 3.56% now.

helpful

Personally, I don't think it's necessary to lock up funds for too long. If interest rates rise further or better investment opportunities arise in the future, it will be difficult to adjust your portfolio. Keeping your funds more flexible now is probably a safer choice

Related Posts

26/F Toronto, Indian, dangerously independent
Bored of insecure men on dating apps 🤷🏽‍♀️☺️

likefunny
like

There's a ton of self help and leadership books out there to help people in their careers. If there was one that was written front the lense of a public accounting, would you read it?

likehelpful

When you want to capitalize on all the perks

Post Photo
likefunny

I prefer green though

Post Photo
likefunny

Hi everybody! 😊
I've been working as a Junior Analog Design Engineer for a year and half.
I received a proposal for a Senior Analog Designer role from Bosch in the same city where I am currently working.
Should I wait and build up a few more years of experience before accepting a Senior role or should I jump in and work to fill the gap?
Next year, there will be an important deadline for the project I'm working on and my resignation could be critical for the team, how would you deal with it?

like

Siemens Siemens ltd How is the WLB in the Simcenter 3D development team under Siemens Digital Industries ??

like

Hii guys,

I was getting my appraisal next week, my YOE is 1.8,
And current CTC is 3.6 lac. How much CTC should i expect? Compair to current market.

Tech stack:- ReactJS, NodeJS, AWS Micro services, and few others...

Position:- full stack developer/ MERN Stack developer.

like

I think I read about some kind of process where when an applicant reaches out to a current student or alum for a 1:1 and makes a good impression, the student/alum can send a message to the adcom letting them know? Is it like a "Hey I connected with this applicant and had a great conversation with them. I think they would be a great fit for the program" type of thing?

like

Did any other HBS R1 interviewee just get that email from Chad Losee with the eBook? My heart literally dropped but it just seems like a nice email with access to a leadership eBook?

like

Can anyone throw some light on what sub levels exist within level 9 i.e. at Management Consultant level in Accenture Consulting. Also how do we know whether we are offered base level consultant or experienced consultant role and what are the corresponding salary levels? Please guide?

like

33M NYC. Feel free to reach out to chat

likefunny

Tis the season...
Anyone else have a love/hate relationship with NOAA?

Post Photo
like

Me and the boys waiting fo crime to spike post these protests

Post Photo
likefunny
funnylikeuplifting

It's the "loves this" for me

Post Photo
likefunny

Hi Fishes,
I got offer from LTI on SAP Security/GRC for the position of Specialist - Package Implementation. Can anyone comment on how the SAP projects will be in LTI and how is work culture and Growth?

like

AT&T When can I expect joining formalities mail from AT&T ? How many days before the DOJ they will start the process ?
AT&T

like

Hi,
In GPS, i see two asset tagged to me. I don't know why 2nd asset is tagged to me. Can anyone suggest what I should do? My LWD is near and I don't want any wanted issue due to all thsi

like

What type of laptops does BDO give in the US ?

like

Additional Posts in Personal Investment Chatter

I bought a bunch of stonks this morning. How long until I am rich?

like

How do people feel about Tesla ? Buy ?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

like

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

like

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

likefunny

Will the market continue with its usual bloody day?

like

Hello folks, so I’ve been trying to DCA twice a month. Every time I do we seem to hit a large drop right after. Does anyone have a strategy to mitigate this or do you just set a day per month to do it and not look back?

like

I don't have car experience but I'm going to buy my first car (used 2018). I don't have a mechanic to help test the car. Is it safe enough if I buy from a dealer with points inspection + low milage (< 30k km)+ clean carfax + contactless delivery? I have funds available to pay in full.

like

Any tips on negotiating apartment renewals for large buildings? Just got a renewal offer for my 2BR apartment… it’s 20% higher than my current. I can afford it but damn that would be a bummer

like

Recommendations for a Roth IRA?

like

Interesting investment opportunity with PSTH. Biggest SPAC with Tontine warrants. In short, for every 9 common shares you buy and hold through the merger, you get 2 shares priced at $23. The price right now is $26. I would get in and gradually increase by a multiple of 9 and hold until at least Dec 2021

like

So, I had put money into savings (~$40k) a few weeks back. I know timing the market isn’t good and stuff, but would it make sense to put some of that into an ETF now? The $40k isn’t part of my emergency fund or anything. I just didn’t know where to park the money.

like

Are we headed for the long overdue crash/correction - red everywhere 👀

likefunny

For my marriot members. Which cc do yall have for marriot?

like

What does your NW breakdown look like ? In my case it is as follows
Home equity: 15%
Investments Stocks/ETFs : 25%
Retirement account: 30 %
Cash: 30%

like

Any good bonuses on credit cards right now? (Jan 2022)

Already have Chase Freedom, Amazon (Chase), US Bank Cash+ Discover, AMEX, Wells Fargo 1.5%, all used for different expenditures to maximize cash back.

Thinking about getting the Wells Fargo 2% and closing the Wells Fargo 1.5%, and any others that overlap in cash back categories but at a lower rate.

like

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

like

Wohooo if you kept it for 3 more days you could have made 35k !!!! Wohooo !!!

Post Photo
likefunny

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal