EPISODE · May 7, 2026 · 1H 21M
#203 – Options for holding cash and cash equivalents
from Retirement Planning Education, with Andy Panko · host Andy Panko
Andy discusses the different options for holding cash and cash equivalents (i.e. things that are principal protected, offer some amount of interest and are highly liquid and readily accessible)The options are:Physical bills and coinsChecking accountsSavings accountsCertificates of Deposit, or CD'sMoney Market Mutual Funds or Exchanged Traded Funds that invest like Money Market Mutual FundsMulti-Year Guaranteed Annuities, or MYGA's (but hear why he doesn't fully consider them cash equivalents)Links in this episode:FDIC insurance calculator - https://edie.fdic.gov/calculator.htmlhttps://www.treasurydirect.gov/Tenon Financial's May 2026 Newsletter/blog - Options for holding cash and cash equivalentsTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email [email protected]
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Andy discusses the different options for holding cash and cash equivalents (i.e. things that are principal protected, offer some amount of interest and are highly liquid and readily accessible) The options are: Physical bills and coinsChecking accountsSavings accountsCertificates of Deposit, or CD'sMoney Market Mutual Funds or Exchanged Traded Funds that invest like Money Market Mutual FundsMulti-Year Guaranteed Annuities, or MYGA's (but hear why he doesn't fully consider them cash equivalent...
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#203 – Options for holding cash and cash equivalents
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