Are You Working Harder Than Your Cash Is?
PoW (#17) We’ve broken down the 6 specific ETFs that beat the bank, including our top picks for yield, safety, and tax efficiency... And the ones we use every day in our fund.
Are you working harder than your cash is?
We get asked constantly: “What should I do with my cash?” Most people default to a standard savings account or a basic money market fund.
That’s fine… if you want to leave money on the table.
We’ve identified six superior spots to park your short-term liquidity, and we’re walking you through exactly why they made our list.
We are looking at three categories today:
Just… Better than Cash: Funds that will consistently outperform money market funds.
Smart Risk: Short-term corporate bonds that offer yield premiums without locking up your money.
Specialists: Niche tools for specific problems… specifically, how to legally lower your tax bill (US only) and how to make your cash immune to interest rate changes.
Stop guessing. Here is the exact answer you were looking for.
Pick of the Week. A curated series of high-conviction research on companies currently under our microscope. We screen for specific dislocations where the market has mispriced the balance sheet or earnings power.
The Selection Criteria:
Asset Arbitrage: Trading at a discount to tangible liquidation value.
Backlog Disconnect: Future contracted revenue ignored by the market.
Hidden Margins: Structural profitability masked by temporary noise or CAPEX cycles.
The Structure:
The Business: A concise operational overview.
The Dislocation: The specific structural reason the opportunity exists.
The Valuation: A stress-tested snapshot including downside risks (”Red Flags”) and our proprietary score.
None of the following should be construed as investment advice. Please consult a financial advisor before making any investment decision. You will find a full disclaimer at the end of this post.
Why this matters
Every option we listed has its own nuances, but they all share one common enemy: the low-interest bank account.
By moving your cash into these vehicles, you are essentially cutting out the middleman and keeping the market yield for yourself.
This is also the home for your short-term capital, money you intend to spend or deploy within two years.
Investing in stocks with a timeline shorter than three years is speculation, not investing.
These funds offer the opposite: reliable returns without locking up your capital.
Perhaps most importantly, these funds act as the ballast in your portfolio. When the market crashes, volatility spikes and investors rush to “quality” assets.
Because these funds hold high-grade debt and US Treasuries, they tend to hold their value (or even appreciate) exactly when the rest of the world is selling off. This is especially true at the very start of a sell-off.
