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The Parking Spot

Better Than Cash

Ultra-stable ETFs and money-market alternatives for capital that needs to stay liquid but should never sit idle at 0%.

Why Park Capital?

Cash Sitting Idle = Money You Are Losing

Whether waiting to deploy into the Income Amplifier or holding reserves between PLEX rebalances, idle cash can earn yield in ultra-short-duration, high-stability instruments.

The Parking Spot is for capital that must be: (1) immediately accessible, (2) near-zero volatility, (3) yielding better than a savings account.

Parking Spot Criteria

Priority #1

Liquidity

Must be tradeable same-day. No lock-ups, no penalties for early withdrawal.

Priority #2

Price Stability

NAV should not fluctuate more than 0.1-0.3% under any market condition. Treasury-backed preferred.

Priority #3

Yield > Savings Rate

Must beat standard savings account (currently ~4-5% for T-bill ETFs vs 0.01-0.5% for most banks).

Priority #4

Low Expense Ratio

Minimize drag on already-modest yields. Look for 0.05-0.15% expense ratios.

Recommended Parking Spot ETFs

Ticker	Name	Type	Yield	Notes
TBIL	US Treasury 3-Month Bill ETF	ETF	~4%	George Antone's personal pick. Also Bedrock in PLEX.
BIL	SPDR Bloomberg 1-3 Month T-Bill ETF	ETF	~4%	Treasury-backed. Ultra-stable.
SGOV	iShares 0-3 Month Treasury Bond ETF	ETF	~4.5%	Government bond ETF. Near-zero drawdown.
SHV	iShares Short Treasury Bond ETF	ETF	~4%	Short-duration Treasuries. Highly liquid.

When to Use The Parking Spot

Between IA cycles — Capital waiting for next flip goes here instead of savings.

PLEX cash reserves — Safety buffer allocation can sit in T-bill ETFs.

Pre-deployment staging — Capital accumulated but not yet ready for PLEX deployment.

Emergency reserves — 3-6 month buffer earning yield instead of sitting at 0%.

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