Take the Cash Out From Under Your Mattress...

If you have cash lying around that is earning nothing, you should put it to work. [Shield] AN OXFORD CLUB PUBLICATION [Wealthy Retirement]( [View in browser]( SPONSORED [Biden's "Hush-Hush" Plot Uncovered]( [Biden on Stage]( Right now, Joe Biden - along with 9 of the world's largest banks - have initiated [a disturbing new experiment with YOUR cash](. It's called "Project Cedar" - and up to now it's been kept fairly "hush-hush"... But in [this urgent new exposé]( you'll discover critical details behind Project Cedar and what Biden's master plan really is. [Click here to learn the critical details before it impacts your money](. [DIVIDEND INVESTING]( [What to Do With Your Cash Now]( [Marc Lichtenfeld, Chief Income Strategist, The Oxford Club]( [Marc Lichtenfeld]( My family and I just got back from a big international trip over the holidays. Fortunately, because of the strong dollar, the vacation cost less than we budgeted for. So after paying our credit card bills, there was extra cash in the checking account. Now I need to do something with it. The problem is, I like having cash. I remember when I didn't have any, and it gives me comfort knowing it's there. At the same time, I know that having cash sitting in a checking account earning a few decimals of a percentage point isn't helpful. If you have cash lying around that is earning nothing, you should put it to work. Keep in mind, I'm not talking about the six months of emergency reserves that everyone should have and be able to tap into if needed. I'm talking about the cash that is in excess of six months' worth of expenses. Here are several ideas on where your money can earn some income or generate wealth. Short Term If you don't want to lock up your money for long, short-term U.S. Treasurys are a good place to put your cash for a few months. A three-month U.S. Treasury bill currently yields 4.6%. A six-month bill yields 4.8%, though a one-year bill yields 4.7%. I have several short-term Treasurys in my account and will be buying more next week. I recommend sticking with Treasurys over certificates of deposit (CDs). The top six-month CD rate is 4.5%. You may as well earn a higher rate from Treasurys. SPONSORED [DIVIDENDS: No. 1 Way to Collect Passive Income]( If you want to get rich, passive income is the name of the game. Real estate is risky. "Side hustles" take work. But [dividend stocks are truly 100% passive!]( And while they might sound old-fashioned... They are the single best way to grab MORE INCOME - while you eat, sleep and vacation - month after month. Getting started couldn't be easier! To prove it, I'm giving you the Ultimate Dividend Package (FREE OF CHARGE). [Click here to get it for free.]( Medium Term If you have at least a one-year time horizon, take a look at Series I savings bonds, also known as I bonds. These are bonds whose rate changes every May and November based on inflation. When inflation is high - as it is today - these bonds pay a high rate of interest. When inflation is low, so is the I bond rate. Today, you'll earn an annualized rate of 6.89% until May, when the rate will change again. This is an incredible rate for what is the safest fixed income product on earth, considering it is backed by the full faith and credit of the U.S. government. A few important things to understand about I bonds... You do not receive cash interest payments. Rather, the interest is added to your principal. You cannot take your money out until one year has passed. If you withdraw your funds before five years, you'll lose three months' worth of interest. Lastly, you can invest any amount but only up to $10,000 per year per person. For those who can take on a little more risk, investment-grade corporate bonds are a good deal right now. You can earn over 5% on A rated corporate bonds maturing in one to two years. An A rated bond is extremely unlikely to default. Long Term If you don't need the cash for a number of years, I strongly recommend investing in Perpetual Dividend Raisers - companies that raise their dividend every year. Life is expensive. And that's more evident than ever. You need your money to grow over the long term to be able to keep up with rising costs. Owning conservative, quality companies that generate gobs of cash flow and raise their dividend every year by a meaningful amount means that not only are you growing your income every year but, considering that stocks go up over the long term, you're ensuring that your portfolio will grow, likely substantially. Going back to 1937, including dividends, the S&P 500 (or a proxy for it before it was created) grew an average of 132% over rolling 10-year periods. But let's compare that with the S&P 500 Dividend Aristocrats Index, an index of Perpetual Dividend Raisers that are members of the S&P 500 and have hiked their dividend every year for at least 25 straight years. Since inception in 1990, the S&P 500 Dividend Aristocrats Index has never had a losing 10-year period. Its average 10-year return is 201%, which would triple your money with a one-time investment. That figure includes dividends. Even if you exclude dividends, the index has still never had a losing 10-year period, even during the dot-com bust and the global financial crisis. At the end of 2008, near the bottom of the crisis, the Aristocrats were still up 9% - in price only - meaning these stocks held up a lot better than nearly all others. Last week, I added more money to my dividend holdings. I'm not particularly concerned with where the market is going tomorrow or a few months from now. But I am extremely confident that 10 years from now, those funds will have grown substantially. Having excess cash is certainly a nice problem to have, but it is a problem in that you need to do something with it. Consider the above ideas so that your extra cash isn't sitting around like your neighbor's kid doing nothing. Good investing, Marc [Leave a Comment]( [The 25th Annual Investment U Conference, March 26-29, 2023 in Ponte Vedra Inn & Club]( MORE FROM WEALTHY RETIREMENT [Image of a woman putting money in a piggy bank]( [How to Save Money in 2023]( [Image of a woman charging a BMW electric car]( [My Favorite EV Play (Hint: It's Not Tesla)]( [Image of a key with keychain in a house shape in the door keyhole]( [Can This 12% Yield Possibly Be Safe?]( [Image of a wooden staircase depicting reaching goal and success]( [The Simplest Strategy for Making Money in the Market]( [Facebook]( [Facebook]( [Twitter]( [Twitter]( [Email Share](mailto:?subject=A%20great%20piece%20from%20Wealthy%20Retirement...&body=From%20Wealthy%20Retirement:%0D%0A%0D%0AIf you have cash lying around that is earning nothing, you should put it to work.%0D%0A%0D [Email Share](mailto:?subject=A%20great%20piece%20from%20Wealthy%20Retirement...&body=From%20Wealthy%20Retirement:%0D%0A%0D%0AIf you have cash lying around that is earning nothing, you should put it to work.%0D%0A%0D [Email Share]( [Push Alert]( SPONSORED [Discover How to Benefit From a Potential $5.8 BILLION Drug Royalty Stream]( [Dollar Signs Capsule]( One small company has lined up deals with pharmaceutical giants like Pfizer, Eli Lilly, Novartis, Merck, Amgen, Gilead and more. 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