Where To Hold Cash For Higher Returns & Lower Risk

Central banks continue to battle inflation by raising interest rates. While this has been a cost to borrowers and growth stocks it is good news for investors seeking safe income. In this video, I explain how to earn that income efficiently and also show you what could go wrong.

🎧You can check out our free weekly podcast "Many Happy Returns" and listen to the episode I refer to in this video called "Dry Powder: Where to Park Your Cash" on your favourite podcast provider or:

What Else PensionCraft Offers:

Timestamps
00:00 Introduction
00:36 Policy Rates Up
01:38 Paid NOT To Take Risk
04:35 How To Earn Short-Term Yield
06:23 UK Money Market Funds
10:43 US Money Market Funds
11:34 What’s The Catch?

Where Else You Can Find Me

Tools I Use To Create My Videos
The rest of the tools I use are free open source software:
✔️ ggplot2 package in R for my plots
✔️ RStudio to edit and run R code
✔️ OBS to record my videos and live streams
✔️ Kdenlive to edit my videos

Take A Look At Some Of My Other Videos & Playlists

DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.

[Pensioncraft]

🎧You can check out our free weekly podcast "Many Happy Returns" and listen to the episode I refer to in this video called "Dry Powder: Where to Park Your Cash" on your favourite podcast provider or:

[smarty_jones]

Good discussion, I need to get excess cash out of lower yielding checking accounts and decided to go with a short term US gov bond fund. One drawback to buying individual bonds via Treasury Direct is that if you need to sell, you have to get the instruments transferred to your brokerage account first. Then you can sell them. It's a painful process that I went thru a couple years ago.

[fandf]

One thing I don't understand. You say you must use a broker to get a government bond in the UK, but surely you can go to NS&I and buy short-term bonds there?

[chrish]

Hi Ramin, thanks for the video. Do you (or anyone else!) know if VMFXX is available for UK investors? I can't find any information on this, and on Interactive Brokers I am unable to invest in it as a UK resident. Thanks!

[alantrunks]

Hi All
I opened a short term money market account to hold money that i’m going to DCA into my investment choices each month. Money has been in the money market account since October the 10th. I’ve Not been paid anything in cash, my amount of holdings hasn’t gone up and it’s actually worth a little less than I put in now (only by a couple of pound). Do you need to hold money in the account for 2 months before getting the interest on the first month?

[ronaldwhite]

I agree wast of time only to be referred to his pod cast.

[gmnitwit]

please make a vid about CSH2 what it is, does, etc

[TRL]

At the end you mention Govt Bonds. Have you done, or could you do a similar video on how to research and invest in these as an alternative method of "parking cash" as shown in this video. Many thanks for your vidoes.

[ssing]

TFLO for the win in my opinion

MMF to me are too low yield

[mazensleiman]

Ramin can you elaborate a bit on the CBDC coming to the UK