Safer investments with higher yields
Every yield comes with some kind of risk – credit, interest rate or liquidity. The goal is not zero risk but the best yield for the level of risk you choose.
Lower-risk places that pay interest
- Treasury bills, notes and TIPS – backed by the US government.
- FDIC-insured savings and CDs – up to the insurance limit.
- Government money-market funds – hold short government securities.
- Agency and high-grade municipal bonds.
Choose a risk level, then sort by yield
Filtering to the lower risk levels and sorting by after-tax yield shows which safer options pay most for you. IncomeGrid ranks every item by yield after tax for where you live: federal, state and each investment type (Treasuries, municipal bonds, corporate bonds, funds, REITs and filed offerings are each taxed differently).
How IncomeGrid helps
40,000+ investment options screened, each given a risk level from 1 to 5 using a published method.
Sources
- TreasuryDirect – Treasury bills
- FDIC – Understanding deposit insurance
- Investor.gov – Money market funds
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