Daniel Barrett’s Post

Anyone with cash investments have known for a while what this article is stating - you are generating noticeable returns on CDs, MMFs, high-yield savings accounts, bonds, fixed income funds, etc. As the Fed began it's rate hike cycle, our client conversations focused on how their SAFE portfolios (investments to help fund 2-3yrs of expenses & liabilities) would contribute to their overall returns more than at any time in the recent past. A more meaningful contribution from shorter-term, less volatile cash investments can significantly enhance portfolio returns - and what was once a part of your overall portfolio that didn't warrant much focus does now. While rates have climbed in recent months - and more rapidly in recent weeks - there is no guarantee current levels will hold. It is very worthwhile to spend time evaluating your cash investments but not because we are predicting rates will move lower. We recommend you take the time to plan your cash investments no differently than you do your longer-term, more volatile equity and alternative investments. #wealthmanagement #personalfinance

Anyone with cash investments have known for a while what this article is stating - you are generating noticeable returns on CDs, MMFs, high-yield savings accounts, bonds, fixed income funds, etc. As the Fed began it's rate hike cycle, our client conversations focused on how their SAFE portfolios (investments to help fund 2-3yrs of expenses & liabilities) would contribute to their overall returns more than at any time in the recent past. A more meaningful contribution from shorter-term, less volatile cash investments can significantly enhance portfolio returns - and what was once a part of your overall portfolio that didn't warrant much focus does now. While rates have climbed in recent months - and more rapidly in recent weeks - there is no guarantee current levels will hold. It is very worthwhile to spend time evaluating your cash investments but not because we are predicting rates will move lower. We recommend you take the time to plan your cash investments no differently than you do your longer-term, more volatile equity and alternative investments. #wealthmanagement #personalfinance

Anyone with cash investments have known for a while what this article is stating - you are generating noticeable returns on CDs, MMFs, high-yield savings accounts, bonds, fixed income funds, etc. As the Fed began it's rate hike cycle, our client conversations focused on how their SAFE portfolios (investments to help fund 2-3yrs of expenses & liabilities) would contribute to their overall returns more than at any time in the recent past. A more meaningful contribution from shorter-term, less volatile cash investments can significantly enhance portfolio returns - and what was once a part of your overall portfolio that didn't warrant much focus does now. While rates have climbed in recent months - and more rapidly in recent weeks - there is no guarantee current levels will hold. It is very worthwhile to spend time evaluating your cash investments but not because we are predicting rates will move lower. We recommend you take the time to plan your cash investments no differently than you do your longer-term, more volatile equity and alternative investments. #wealthmanagement #personalfinance

Another Fantastic insight - this time into how US Fixed income market is helping US economy stay resilient despite US Fed maintaining a higher for longer narrative and that elusive first rate cut moment keeps getting pushed down the year. Some Key Pointers from this masterpiece 1. CY 23 - Investors got 900 USD billion in interest payments from US Govt Debt. In Mar 24 US Tres Dept paid out 89 billion USD in interest to debt holders - 2 Million Dollars a minute. 2. 90% US Treasuries carry coupon rate of over 4%. 3. Higher coupons protect investors against MTM impact if yields rise in the short term. It would take approx 3.25% of rate increase over the next 1 year for treasuries to start losing money. 4. Healthy stock market gains and higher coupon payments creating a wealth effect for Americans with extra cash this supporting the US economy. 5. The moral of the story is that asset allocation is the key to your long term objectives and currently showing the wonderful impact it’s having on the worlds largest economy.

Strong GDP growth expectations for 2025 persist, which, in our view, have been a critical factor supporting riskier corporate credits. Plus, we see all in yield as very attractive: https://lnkd.in/eppAwYbq #Economy #CreditCycle

The possibility of worse-than-expected inflation and a delay of the first Fed rate cut have led many investors to seek the safety of cash. At the same time, interest rates on cash are at their highest levels in decades, making it appear that there are attractive “risk-free” returns. In this article, we discuss why holding too much cash can be problematic and what role cash should play in investor portfolios today. https://hubs.ly/Q02wkb3w0

The possibility of worse-than-expected inflation and a delay of the first Fed rate cut have led many investors to seek the safety of cash. At the same time, interest rates on cash are at their highest levels in decades, making it appear that there are attractive “risk-free” returns. In this article, we discuss why holding too much cash can be problematic and what role cash should play in investor portfolios today. https://hubs.ly/Q02wkb3v0

The possibility of worse-than-expected inflation and a delay of the first Fed rate cut have led many investors to seek the safety of cash. At the same time, interest rates on cash are at their highest levels in decades, making it appear that there are attractive “risk-free” returns. In this article, we discuss why holding too much cash can be problematic and what role cash should play in investor portfolios today. https://hubs.ly/Q02wkb2C0

The possibility of worse-than-expected inflation and a delay of the first Fed rate cut have led many investors to seek the safety of cash. At the same time, interest rates on cash are at their highest levels in decades, making it appear that there are attractive “risk-free” returns. In this article, we discuss why holding too much cash can be problematic and what role cash should play in investor portfolios today. https://hubs.ly/Q02wk3x90

The possibility of worse-than-expected inflation and a delay of the first Fed rate cut have led many investors to seek the safety of cash. At the same time, interest rates on cash are at their highest levels in decades, making it appear that there are attractive “risk-free” returns. In this article, we discuss why holding too much cash can be problematic and what role cash should play in investor portfolios today. https://hubs.ly/Q02wk3z50