Koko News | Business | 13 May 2025

Key Factors in Short-Term Investments

Asyousiftamongthevariousoptionsforyourshort-terminvestments, keepthesekeyitemsonyourdashboard:

當您篩選各種短期投資選項時，請將以下關鍵項目保留在您的儀表板上：

Theshort-terminvestmentsthatpromisethehighestyieldsoftencomewithatleastsomeriskand/orconstraintsonyourdailyaccesstofunds.

承諾最高收益的短期投資通常至少伴隨一定的風險和/或對您日常資金使用的限制。

Itmaybethatyou’rejustlookingforthehighestsafeyieldanddon’tcarethatmuchaboutliquidity.

您可能只是追求最高的安全收益，而不太關心流動性。

SomecashinstrumentsarefullyFDIC-insured, whileothersarenot.

有些現金工具完全由聯邦存款保險公司 (FDIC) 承保，而其他則沒有。

CDswilltypicallyofferthemostcompellingyieldsofallcashinstruments, andthey’realsoFDIC-insured.

在所有現金工具中，定期存單通常能提供最誘人的收益，並且還受到聯邦存款保險公司 (FDIC) 的承保。

Ifyouwantdailyliquidity, adecentyield, andFDICprotection, yourbestbetwilltendtobeahigh-yieldsavingsaccountthroughanonlinebankorasavingsaccountthroughacreditunion.

如果您想要每日流動性、可觀的收益和聯邦存款保險公司 (FDIC) 的保護，最好的選擇是透過網路銀行開設高收益儲蓄帳戶或透過信用合作社開設儲蓄帳戶。

Don’tconfusemoneymarketmutualfundswithbrokeragesweepaccounts, thoughbothareofferedbyinvestmentproviders.

不要將貨幣市場共同基金與經紀清算帳戶混淆，儘管兩者都是由投資提供者提供的。

Stable-valuefundsareanotherexampleofaninvestmentthatoffersanoften-decentyieldinexchangefornotcheckingtheliquidityandguaranteeboxes.

穩定價值基金是另一種投資的例子，它提供通常不錯的收益，但不需要檢查流動性和擔保條件。

Incontrastwiththeprecedinginvestmenttypes, Ibondsaretheonlysafeinvestmentvehiclesthatwillguaranteetomakeinvestorswholewithrespecttoinflation.

與前面提到的投資類型相比，I 債券是唯一能夠保證投資者免受通貨膨脹影響的安全投資工具。

As you sift among the various options for your short-term investments, keep these key items on your dashboard:

The short-term investments that promise the highest yields often come with at least some risk and/or constraints on your daily access to funds.

It may be that you’re just looking for the highest safe yield and don’t care that much about liquidity.

Some cash instruments are fully FDIC-insured, while others are not.

CDs will typically offer the most compelling yields of all cash instruments, and they’re also FDIC-insured.

If you want daily liquidity, a decent yield, and FDIC protection, your best bet will tend to be a high-yield savings account through an online bank or a savings account through a credit union.

Don’t confuse money market mutual funds with brokerage sweep accounts, though both are offered by investment providers.

Stable-value funds are another example of an investment that offers an often-decent yield in exchange for not checking the liquidity and guarantee boxes.

In contrast with the preceding investment types, I bonds are the only safe investment vehicles that will guarantee to make investors whole with respect to inflation.