I started at 4%. The last were 5.15% for 14 months. It isn't a bad return, imo, for parked cash. I did try to ladder as much as I could, but generally picked the sweet spot with the highest yields--generally 11-15 month range. Even some savings are paying 4% now. We have a building project planned (a bridge to our cabin), hopefully this fall---it's hard to find a contractor---and I was able to park the funds at 4% with no time limits.

I do recognize that 4% is below the CPI inflation, but it's a lot better than zero, and since my biggest expense--two mortgages--are fixed term, I really doubt I am personally living with 4% overall inflation.


[Post edited by Shenhoo at 05/30/2023 11:41AM]