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Category: Savings Accounts

Crypto Update

This article is meant as a follow-up guide to SMI's February 2022 cover article: Intro to Crypto. If you haven't read that, I encourage you to do so before continuing on here.
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I-Bonds Are the Best Deal in Fixed-Income Right Now

If your portfolio calls for bond exposure and you can work with the Treasury Department’s restrictions, I-Bonds are a great option right now.
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Investing for Short-Term Goals in Today’s Stock/Bond Environment

The Fed’s low-rate policy has created a tough situation for short-term investing. Your best option may be to stand the traditional approach on its head.
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I-Bonds: A Great Option for Emergency Fund Money

While we’ve linked to articles about I-Bonds in the last two Friday roundups, they’re getting enough publicity and we’re receiving enough questions about them that a separate article seems warranted. Because savers have
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Stress-Testing Your Household Finances

Do you have a risk-management plan in place for your personal finances? You should.
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Elevating the Role of Health Savings Accounts

Should you think of a health savings account (HSA) as a retirement account — just like you think of a 401(k) plan or an IRA? According to a new study (PDF) by the consulting company Willis Towers Watson, the answer is an
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A Position of Financial Strength

The New York Times recently ran a series of charts designed to sum up 2020 economically. They showed how the pandemic has impacted employment, wages, home prices, and more. But one of the most striking charts about what
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SMI on the Radio: Retirement Savings in a Time of Super-Low Interest Rates (audio & transcript)

Historically, retirees have sought the safety of bonds for much of their retirement savings. But with bonds yielding so little, what's a retiree (or near-retiree) to do?
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Finding Better Savings Rates

As detailed in our October issue, money-market mutual funds have fallen on hard times. That's a shame. Here's a quick primer on money funds from The Sound Mind Investing Handbook: [You can lend your money to] "big time"
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Where to Keep Your Savings: The Time/Money Trade-Off

Money-market funds aren’t what they used to be. Not that long ago, they were paying about 2.5%. I should know. Because of that great rate, and in the interest of simplifying our household’s financial life, in the spring of
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