# Any expert thoughts on this?…

**URL:** <https://community.clark.com/t/any-expert-thoughts-on-this/2238>\
**Category:** Uncategorized\
**Created:** [February 12, 2023, 7:43pm UTC](https://community.clark.com/t/any-expert-thoughts-on-this/2238 "2023-02-12T19:43:49Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![geezerpk](https://avatars.discourse-cdn.com/v4/letter/g/f475e1/32.png) [@geezerpk](https://community.clark.com/u/geezerpk)\
**Post date:** [February 12, 2023, 7:43pm UTC](https://community.clark.com/t/any-expert-thoughts-on-this/2238/1 "2023-02-12T19:43:50Z")

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Got an email teaser on this today, is it worth consideration for ready cash reserve? I have several holdings in Vanguard Brokerage already.

> **[Vanguard Cash Plus Account | Vanguard](https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account?cmpgn=RIG:EM:CMPGN:CM_GRW:01302023:BTL:TXT:CashPlus_GoodNews_Echo_C015058:CSA:OTHR:CSHPL:XXX:VGC:POS01:XX&CMPSP=3097379090&EMGRP=RT045750796)**
>
> Make your cash work harder with our new pilot offer—now available to select clients.

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**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\
**Post date:** [February 12, 2023, 8:03pm UTC](https://community.clark.com/t/any-expert-thoughts-on-this/2238/2 "2023-02-12T20:03:29Z")

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Well, if you already have a Vanguard brokerage account and you want to keep everything with one provider, seems like a good option. I suppose I have to ask how long you would park the money before we could talk alternatives…

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**Author:** ![geezerpk](https://avatars.discourse-cdn.com/v4/letter/g/f475e1/32.png) [@geezerpk](https://community.clark.com/u/geezerpk)\
**Post date:** [February 12, 2023, 8:08pm UTC](https://community.clark.com/t/any-expert-thoughts-on-this/2238/3 "2023-02-12T20:08:54Z")

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> [@butler](#):
>
> I suppose I have to ask how long you would park the money before we could talk alternatives…

Would probably park it until I run out of nickels to feed the meter… kidding. I guess the answer would be indefinitely. Not a large sum, probably enough to cover basic living expenses for 6 months or so, not more than about $35k.

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**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\
**Post date:** [February 13, 2023, 3:37am UTC](https://community.clark.com/t/any-expert-thoughts-on-this/2238/4 "2023-02-13T03:37:33Z")

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> [@geezerpk](#):
>
> Would probably park it until I run out of nickels to feed the meter… kidding. I guess the answer would be indefinitely. Not a large sum, probably enough to cover basic living expenses for 6 months or so, not more than about $35k.

So we are talking about an emergency fund then ? Honestly I would say your choice above is good enough. No reason to chase another 0.1% return for the complexity of managing another account. If you are really bored you could setup short term T-Bill ladders and get mid 4s returns.