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PaperclipPerfector  5d ago (text post)   2622 thread views

Small-Scale Question Sunday for January 25, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Is there a better option for storing cash for 9-12 months than a HYSA right now? I'd like to stash money for my 2027 Roth IRA contribution away in somewhere with better returns than my savings account.

It looks like CDs can get marginally better rates, and SGOV slightly beats the savings account yield. If those are my options, I'm not upset, but I'd rather not miss out on returns just because I didn't ask questions.

CDs are generally less tax efficient than SGOV, especially for high-earners in high-earning states. The gross return difference on SGOV vs. CDs on $7,500 over a year will likely literally be at most a few dozen bucks. Why not just frontload and put it all in now? It’s already 2026.

I had a typo. I meant 2027.

Thanks for the advice though.

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