u/bmountewar1

I need some advice. I use Fidelity, park money in SGOV, and I need to move additional fund from Capital One to Fidelity. I invest a percentage of the parked cash in VTI weekly, if market drop dramatically, I will invest a little bit more.

the final yield after tax consideration, VTEB is 3.38% v.s. SGOV 2.56% (about 0.82% difference). The risk of interest hike, let's say 5% to 5.25% will cause VTEB price (and my capital balance) drop 1.75%. That make me thinking maybe I need to invest half/half in VTEB and SGOV.

What will you do in my situation?

here is my calculation: https://imgur.com/a/h12Qe21

Thank you!