| Account Type | Current Typical Yield/Return | Liquidity | Best For |
|---|---|---|---|
| High-Yield Savings | 4-5% | Immediate | Tier 1: Immediate access |
| Treasury I-Bonds | Variable (inflation-based) | 12 months lockup, then liquid | Tier 2: Inflation protection |
| Short-term Treasury ETFs | 4-5% | 1-3 days | Tier 3: Extended coverage |
| Money Market Funds | 4-5% | 1-2 days | Tier 3: Extended coverage |
| Ultra-short Bond Funds | 4-6% | 1-3 days | Tier 3: Extended coverage |