I’ve gotten a few reader questions about my personal cash and bond holdings, so I thought I’d combine them here. You may be surprised that I don’t chase the top rates that much myself anymore, although I still do attractive deposit bonuses (most recently CIT Bank and Marcus). I’ve found that I can get pretty darn close to the top rates without being spread across as many bank accounts as in the past. My specific situation is that I have state income taxes of ~10%, so the fact that US Treasury obligations are exempt from state income tax makes a significant difference to me.
English (US)