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Investing Specialists

Does Your Cash Alternative Pass Muster?

It's wise to get creative with part of your cash, but noncash alternatives might not offer liquidity and stability.

The topic of how to wring more income from your cash holdings is on your mind, based on the outpouring of responses to a query about this topic in's Discuss forum. Many investors noted that they were sticking with true cash--miserly yields and all--and attempting to make the best of a bad situation by using high-yield savings accounts and laddering certificates of deposit, which often provide higher yields than products that offer daily access to your money.

Other posters noted that they were venturing out of cash altogether, instead embracing ultra-short-, short-, and intermediate-term bonds, as well as floating-rate, or bank-loan, funds. Oftentimes investors discussed using these higher-yielding noncash alternatives in addition to--rather than instead of--their cash.

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