A Safe Place To Land: How And Where To Park Cash (Especially In Retirement)

Summary

• Parking cash usually stems from two situations. Either you’re nervous about market conditions and want to wait for clarity, or you’re retired (or approaching retirement) and want cash on hand for income stability.
• HISAs are commodities. Most of them offer the same basic benefits—safety, liquidity, and modest yield. Yet many investors obsess over finding the “best” rate.
• If you’ve decided that a cash reserve is appropriate, don’t overcomplicate your selection process. Focus on the fundamentals.

Guido Mieth

In volatile markets, uncertainty often breeds hesitation. Over the past several months, we’ve received more questions about where to park cash than ever before - especially from retirees or those nearing retirement. You’re not alone if you’re feeling cautious or unsure. When everything feels