Discover Safe, Higher-Yielding Alternatives to Idle Cash

For many investors, cash sitting in a savings account or certificate of deposit (CD) feels safe — and it is. But in today’s environment, that safety often comes at a cost: very low yields that may not even keep up with inflation.

When inflation outpaces the interest your cash earns, your purchasing power quietly declines. That means your hard-earned money may not be working as hard as it could.

The good news? There are safe, higher-yielding alternatives that can help your cash grow without taking unnecessary risk.

The Problem with Idle Cash

It’s understandable to want liquidity and protection. But keeping too much in traditional savings accounts or CDs can lead to lost opportunity:

Inflation reduces purchasing power each year.
Savings accounts and CDs typically offer low, fixed rates that fail to outpace inflation.
Cash that isn’t working for you can drag down overall portfolio performance.

The result? Even though your cash feels safe, its real value slowly erodes over time — leaving you with less flexibility in retirement and greater long-term risk.

Safe, Higher-Yielding Alternatives

At Claro Advisors, we help clients identify cash alternatives that are secure, accessible, and income-generating. Here are three strategies we often recommend:

Cash Equivalent ETFs: These exchange-traded funds are designed to be highly liquid and low-risk, often holding short-term government or corporate bonds. They offer yields that are significantly higher than traditional savings accounts and CDs, while keeping your money easily accessible.
Market-Linked Income Notes (Structured Notes): These products combine elements of protection and growth potential. They can offer potential double-digit returns with defined downside protection, allowing investors to participate in market-linked gains while maintaining a layer of security against losses.
Quarterly Buffered ETFs: These innovative ETFs are designed with deep protection against market declines, while still offering the potential for attractive after-tax returns. They’re ideal for investors seeking higher yields with limited downside exposure.

Why These Alternatives Matter

Earning a higher return on your cash isn’t just about yield — it’s about creating more flexibility and security in retirement.

When your cash is working harder for you, it can:

Provide more income options in retirement, giving you flexibility to cover unexpected expenses or reduce withdrawals from investment accounts.
Reduce retirement risks, including longevity and inflation risk.
Strengthen your overall financial plan, helping you balance growth, liquidity, and protection.

Even small improvements in yield can make a meaningful long-term difference in how long your money lasts and how much freedom you have later in life.

Take Action Today

If you’ve been keeping too much cash idle — or locked away in low-yield CDs — it may be time to rethink your strategy. At Claro Advisors, we help clients evaluate safe, smarter ways to make their money work harder without sacrificing peace of mind.

Ready to explore your options?

Schedule a Discovery Call today to see how we can help you earn more, reduce risk, and build lasting financial flexibility.