Episode 104: Where to Put Cash and Short Term Investments

When you have a long investing horizon of 5 years or more, there are many options for investments with potentially high returns.

What about when you have a shorter time horizon? They may be saving for a downpayment on a house to purchase in the next 2-3 years or for a specific dream vacation. Or it may be money that you are setting aside for the next real estate investment. In this case, the primary goal is to preserve capital with growth a secondary goal. There’s also the goal decreasing how much inflation my decrease spending power. Accessibility and liquidly is also a consideration.

 In this episode, I discussed High Yield Savings Accounts, Money market accounts/funds, Certificates of Deposits, and US Government bonds (T-bills, T-notes and I-bonds).

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