Cash Is King

摘要

Capitulate" is a fancy word for what investors do after big losses make them more intent on preserving capital than increasing it. If this describes you, or you've sold a business or inherited a bundle lately, it's nice to know that there are still some very safe places to park your precious cash. The ones in the table have never caused investors a loss of principal.rnReturns on these investments vary fairly widely based on whether they're subject to early withdrawal penalties, offer fixed or variable yields, or are protected by deposit insurance. All except for U.S. Treasurys (and funds holding them) are subject to state income tax.rnThose looking for short-term investments can park up to $250,000 in bank CDs covered by the FDIC. However, that limit is set to fall back to $ 100,000 at the beginning of next year, so think twice before locking up money in a one-year jumbo CD. Many banks will offer rates higher than they post, especially for large deposits.