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Old 09-22-2008, 11:28 AM   #21
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Originally Posted by doxeyweb View Post
For short term $ (2-5yrs) that is not part of your emergency fund...
How would Ibonds fit into this. They currently have a locked 0% rate, but a calculated inflation adjusted 4.88% rate.:confused:
Ibonds are fine if they are paying a decent real return. If we get some lower inflation that rate you mentioned will be pretty meager. Also you can now only buy $5k/yr. The government has effectively shut down this investment. For inflation protected securities check out TIPS (for tax advantaged accounts) -- likely to be a better deal going forward.
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Old 09-22-2008, 10:41 PM   #22
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I have cash in MM accounts and checking accounts - most of it is in
USAA tax exempt money-market. Have had CDs, etc, too.
Deserat aka Bridget
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Old 09-22-2008, 10:42 PM   #23
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I know a professional trader beginning to invest in hard assets. Real estate and gold. If you had a sizeable nest egg and are uncertain of the solvency of some of the financials (although perhaps remote if there is a bailout), you may want hard physical gold (not shares of gold companies nor gold futures). A version of money under the mattress but with appreciation potential in a crisis - and its fairly liquid.

I am 100% in cash and equivalents and will need to make changes. SIPC only covers $100k, CAPCO supplemental insurance taken out by fidelity has been put on credit watch (besides, they have no where near the amount needed to cover a melt down scenario).

I will start moving my money around to different institutions (Fidelity/Schwab, etc.) and will consider hard assets. maybe even a foreclosure.

CD's seems like a reasonable place for some of the cash in retirement accounts (I think a $210k fdic limit).
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