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Do both
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SSBs, T-bills, MMF and short-term bonds would be better for your time horizon.
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Endowus and moomoo are not advisors. they do not give investment advise.
what is your time horizon? longer time horizon can consider board based ETF. if short time frame, consider money market funds, endowments
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SSB is excellent for starters. Safer than bank.
T bills. Same as SSB, safe.
Buy low cost index fun...
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Good question