What is a good alternative to a HYS and/or a CD for short term 6-12 month horizon? Low risk similar to HYS/CD, atleast from a principal conservation view.

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So called “cash equivalents” are typically for institutional investors moving very large sums. HYS is best option for individuals. CDs and savings bonds aren’t as liquid due to maturity timelines etc.

Compare them side by side, consider mgt fee, and project growth over your timeline. Difference is probably insignificant.

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