Where To Park Cash

 Let's discuss relatively safe places to park money.  By "relatively safe", I mean with low to no risk of significant decline in value and accessible for withdrawal within just a few days (under a week in most cases).

Most investors consider options such as savings accounts, CDs, US Treasuries and bonds.

Savings accounts can be accessed the fastest in most cases, but often don't offer returns that keep pace with inflation.

CDs typically offer higher returns, but usually still don't keep up with inflation.

Short-term US treasuries, aka t-bills, keep up with inflation but don't do much more than that.

Longer-term US treasuries can return more than inflation, but also come with higher risk of loss in value if you sell them before maturity or hold them in an ETF type of environment.

Investment-grade bonds offer even better returns but also come with a high risk of significant loss in value in some time periods - especially when interest rates are rising.

Note all of the thoughts above are my opinions and are not meant as advice to you - study publicly available information and reach your own conclusions.

Below are some good videos on the topic.

What are bonds?

Options on where to park cash.

I will add more videos below as I run across them.