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market funds, like SPAXX and FZFXX from Fidelity, are often seen as a safe place to stash savings. They offer monthly payments and a relatively low-risk investment option. However, for those seeking higher yields, CDs, T-Bills, and MYGAs can be used in an investment ladder strategy to provide a guaranteed 5-6% return. Each option has its pros and cons, and investors should weigh their risk tolerance and financial goals before deciding where to park their cash.
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