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Your Easter Money Can Yield Close to 4.5%

April 4, 2023 By E.J. Smith - Your Survival Guy

By Longfin Media @ Shutterstock.com

Is your lazy cash sitting around eating all your Easter candy? Murdering Peeps and defenseless chocolate bunnies? Well, after this weekend, that needs to stop. No más. With Fidelity’s Treasury Money Market (FZFXX) yielding close to 4.5%, it’s time to get your lazy cash off the couch. A little spring cleaning, if you will.

If you’ve been living in a cave, and I don’t fault you for that, then you know the village is in an uproar over the banks. This is nothing new to Your Survival Guy, and I hope to you. Since the beginning of time, the “smartest guys” in the kingdom have been reckless with other people’s money. And when the money’s gone, it’s gone.

In this young century, stocks have been down over 20% not once, not twice, but four times. Will it happen again? Will the black swan swoop in again picking off its prey? Probably. Will investors learn the hard way? Probably.

My goal for you, dear reader, is return of assets. Patience. Compound interest. Not the return on assets. Prices come and go. As a fiduciary, my job is to work for you, period. Not ESG or DEI. Keep it simple. Easy to understand. Hard to do.

Action Line: Look at this from Vanguard. Look at page 8. Try to please everyone, and you end up pleasing no one. Let’s talk.

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Originally posted on Your Survival Guy. 

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E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

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