High-Yield Savings Accounts: Offer 4.25%–5.30% APY, FDIC-insured, instant access to funds, perfect for emergency savings.Money Market Accounts: Pay up to 4.23%, offer check access, FDIC-insured, mix of savings and checking features.Treasury Bills: Government-backed, low-risk, yield up to 4.36%, mature in under a year, easy to buy online.Fixed Deposits: Bank FDs offer fixed interest, capital-safe, 3–12 month terms, great for predictable short returns.Ultra Short-Term Bond ETFs: Yield 4.39%–4.60%, low risk, trade like stocks, ideal for short holding periods.Read More Stories