Set it and forget it...SGOV vs BIL

I've shared this before...Looking to make the choice.

My wife and I have Roth IRAs at Schwab. We know they throw dividends and maturing US Treasuries into Schwab Bank...Earning diddly/squat.

With our IRAs and our trust, we are juggling about 10 bonds!! We are tired of this...We have to stay on top of these or lose compounding.

If we need to make major buys of stocks we can do it in our trust account, so...

When bonds mature (in our Roth IRAs and some in our trust), we'll throw the money into one of these ETFs and forget it.

We will still keep "some" dry powder to invest in our trust...If it connects when a bond matures. Otherwise we will make our trades at Fidelity (my other Roth IRA and the trust).

Sooo...Which one of these two do you like better?? Which company backing them do you trust more?? This very well may be a invest it and forget it for the rest of our lives...Let our kids handle these when our estate is taken care of.

PS We are very well diversified in all other areas of investments...

 

Why pick just one?
I use SGOV, TFLO, SHV, USFR, BIL, XBIL, TBIL, CSHI, etc…
Spread the money so you don’t have to worry about one firm.
I’d pick the ones with the largest AUM if want just a few.

 

I looked at most of those. Some may have derivatives...Rather not go there.

 

Fidelity money market pays more than those. Diversify in stocks that pay at least 8% dividends, buy monopolies, rest in voo

 

Well above SIPC limits at Schwab and Fidelity...

And yes, I use Fidelity's money market funds...

 

I have SGOV, BOXX and also buy at treasury direct.

You really need to consider your specific tax situation.

I find CDs and the like not worth the risk for the tiny return above treasuries.

 

I am starting to go with BIL for right now. It make sense to just buy from excess money in our Roth IRAs. I don't like putting in from our trust account.

With the trust, you are always trying to find the cost basis. With Roth IRAs...There is no cost basis to work from (tax purposes).

I think we will consolidate our US Treasuries (at Schwab) to expire on close to the same dates. After that, more (larger) US Treasuries or SGOV or BIL in large quantities will be the answer...

 

You might want to look at treasury direct's auto rollover feature. I can set auto rollover into new treasuries for up to 2 years without any further intervention.