Rotate cash across the top 3–5 HYSAs/MMFs every 3–6 months as promo rates change — pickup 30–150 bp/yr.
High-Yield Savings and money-market fund rates change weekly. Systematic rotation: (1) hold core emergency fund at a stable-top HYSA (Ally, Marcus, Wealthfront, Discover), (2) monitor top rates via Bankrate / DoctorOfCredit, (3) when a competitor beats current by 50+ bp for 90+ days, move balance via ACH ($100K limit typical). Money-market funds (VMFXX 5.28%, SPRXX 5.03%, VUSXX for state-tax-exempt) often beat HYSAs. Watch bonus rate 'teasers' that revert.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Systematically open bank accounts with $200–$500 sign-up bonuses; typical churner earns $2K–$10K/yr.
4/8/13/17/26-week Treasury Bills yield 4.5–5.3%, exempt from state/local tax — beats HYSA in high-tax states by 30–70 bp.
Brokered CDs via Fidelity/Schwab/Vanguard aggregate FDIC-insured yields nationwide — often 30–100 bp above local banks.
Buy a long-duration CD when rates are high, break early when rates fall — pay small EWP for large gain vs current rates.
Interactive Brokers margin (5.83%) or Schwab PAL beats HELOC (9%+) for short-term liquidity — no appraisal, funded same-day.
Structure ownership + banks correctly for $1.5M+ FDIC per person — single, joint, POD, revocable trust each get $250K.
Fintech cash accounts pay 4.5–5% via bank sweep networks — some offer $250 signup bonuses stacked on top.
Bring $250K–$1M assets to a big-bank private client tier — get 0.125–0.375% mortgage rate discount + closing credits.