I've been 100% cash for a few years, and will stay that way for the next few years. (Yes, I am stupid) My cash is at Vanguard and Fidelity. What are my options for cash and getting some interest? CD? Bond fund? Savings acct?
CD early penalty vs. T-bills/bonds? Has anyone done the break even analysis of buying a higher yielding 1 year CD and then factoring in early withdrawal penalty vs. rolling shorter duration T-bills? Is it better off doing the CD and factoring in early penalty if you decide to liquidate? The point being, even in a 1 year CD, your money is not really locked up, right?
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