Some are 3.5% plus. 1 year CDs are well over 4.

Well they're better than cash. If you need to be liquid it's probably your best bet right now. If your horizon is a year or longer, I-Bond rates are still very good.

I think so. Goldman Sachs has had the best MM and CD rates I've seen recently; however, they seem to have shifted down somewhat significantly in the last 45 days. Still can't beat that MM rate though.

45 days ago... MM - 3.79%; 3 month - 3.62%; 6 month - 4.42%; 12 month - 4.6%
Today.....MM - 4.28%; 3 month - 2.67%; 6 month - 3.75%; 12 month - 4.33%

When has "sit back and watch" ever worked for the average investor?

Try short term Treasury Bills (8, 13, 17, 26 week bills all available) are a great place. You can open a Treasury Direct account and link to your bank account. Do it all online.

Bizarro Jerry said:

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When has "sit back and watch" ever worked for the average investor?

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When you want your cash portion of portfolio to earn more than the usual nothing while protecting principal. I'm assuming that's what OP is doing here.

Bizarro Jerry said:

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When has "sit back and watch" ever worked for the average investor?

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The year 2022.

Here are the most recent auction results for T bills

Hard to beat, and secure:

Every past decline looks like an opportunity and every future decline looks like a risk.

Currently getting 3.75% in a SoFi savings account. Fully liquid, no risk at all.

Mas89 said:

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Bizarro Jerry said:

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When has "sit back and watch" ever worked for the average investor?

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The year 2022.

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I guess what i should have phrased it, "when has trying to time when to sit back and watch ever worked for the average investor?"

Quote:

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Currently getting 3.75% in a SoFi savings account. Fully liquid, no risk at all.

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Fully liquid as there is no minimum length you have to keep it in there?

Maybe I'm missing something but VMFXX 7 day yield is north of like 4.2%