Where to put idle cash?

Money market funds are another viable option for short-term cash investments. These funds invest in a variety of short-term securities, such as Treasury bills, commercial paper, and certificates of deposit, to provide investors with a stable return and liquidity. They are a good choice for investors who want to diversify their cash holdings while maintaining a relatively low-risk investment.

CDs, or Certificates of Deposit, are a popular choice for keeping short-term cash. They offer competitive interest rates compared to traditional savings accounts, making them an attractive option for investors looking to grow their money with minimal risk.

High-yield savings accounts are another excellent option for short-term cash management. These accounts typically offer higher interest rates than regular savings accounts, allowing you to earn more on your deposited funds. They also provide easy access to your money, making them a convenient choice for emergency funds or short-term savings goals.

Treasury bills, or T-bills, are short-term government securities that offer a low-risk investment option with decent yields. They are highly liquid and can be easily sold in the secondary market, making them a good choice for investors who need access to their funds within a short period of time.

When comparing these options, it is important to consider factors such as yield, liquidity, and guarantees. CDs and high-yield savings accounts may offer higher yields but may have restrictions on withdrawals, while money market funds and Treasury bills may provide more flexibility but may have lower returns.