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The crypto industry is very new, only developing for 10 years,
Most assets are not under the Federal Reserve's regulatory system, and asset prices fluctuate greatly with the tide of the dollar,
There are credit risks and settlement risks, and no regulatory agency will step in to rescue,
So the risks are high, so crypto people should withdraw funds and buy low-risk assets after achieving phased results,
I looked into it, and these are some low-risk asset ETFs available on the market for your reference, here I only introduce dollar ETFs:
1. Ultra-Short-Term Government Bond ETF
This type of ETF mainly holds U.S. government bonds maturing within 1-3 months, with almost no default risk, and very low sensitivity to interest rate hikes.
SGOV: One of the most popular products issued by BlackRock on the market, holding extremely short-term government bonds, with minimal volatility, and monthly dividends. The yield is about 3.55% - 3.91%.
BIL: Tracks 1-3 month short-term government bonds, with a long history and very good liquidity. The yield is about 3.45% - 3.91%.
2. Money Market Substitutes
These ETFs perform similarly to bank money market funds, aiming to maintain a stable net asset value.
SHV: Holds short-term government bonds within 1 year, with yields very close to the current federal funds rate.
CLIP: Also focuses on bonds within one year, with competitive fee rates.
3. Floating Rate Bond ETFs
These bonds have interest rates that are periodically adjusted according to market benchmark rates, performing well during rising interest rate cycles.
TFLO: Holds floating rate notes in U.S. government bonds. The yield is about 3.60% - 3.99%.
FLOT: Contains investment-grade corporate bonds with floating rates, with yields usually slightly higher than pure government bonds, but with a slight increase in credit risk. The yield is relatively high, about 4.59% - 4.67%.