Short-Term Cash

How Can I Better Manage My Short-Term Cash?

The most important attribute of a cash reserve is its availability in time of sudden need. And even though a federally insured savings account is considered one of the safest places to put money being reserved for emergencies you may want to consider other alternatives when interest rates are low.

When selecting ways to invest your cash reserve, you should balance your liquidity needs with potential returns. Short-term investment instruments, such as Treasury bills, certificates of deposit, and money market mutual funds, can provide you with the liquidity needed to meet expected and unexpected expenses and to increase your short-term investment income.

By actively managing your short-term reserves, you can provide a means of saving for the future. You can use this money to increase your net worth with little or no additional risk to your principal. It's important to remember that because income and personal circumstances are subject to change, you should conduct a periodic review of your cash reserve and its structure.

Note: Treasury bills are backed by the full faith and credit of the U.S. government as to the timely payment of principal and interest.

Bank CDs are insured by the FDIC for up to $250,000 per depositor, per federally insured institution.

Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in a money market fund.

Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

 

The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2018 Broadridge Investor Communication Solutions, Inc.

SilverTree Special Needs Planning
Scottsdale, AZ
20865 North 90th Place, Suite 110
Scottsdale, AZ 85255
Phone: 1.866.949.6202

Studio City, CA
12522 Moorpark St. Suite 110
Studio City, CA 91604
T: 1.866.949.6202

Thousand Oaks, CA
1337 E Thousand Oaks Blvd, Suite 202
Thousand Oaks, CA 91362
T: 1.866.949.6202

San Diego, CA
701 Palomar Airport Road, Suite 300
Carlsbad CA, 92011
T: 1.866.949.6202

Las Vegas, NV
1980 Festival Plaza Drive, Suite 300
Las Vegas, NV 89135
T: 1.866.949.6202

Phone: 1.866.949.6202

Investment adviser representative and registered representative of, and securities and investment advisory services offered through Voya Financial Advisors, Inc. (member SIPC)

Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction.

The registered representative(s) and/or investment adviser representative(s) listed on this website are licensed and registered in the following states:

We are licensed to sell Insurance Products in AZ,CA,IL,WA.

We are registered to sell Securities in AZ,CA,CO,IL,IN,KS,MN,NV,OH,OR,TX,UT,WA,WI.

SilverTree Special Needs Planning is not a subsidiary of nor controlled by Voya Financial Advisors, Inc.

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. 

[ Online Privacy Policy | Privacy Promise ]