Maybe
SNAXX is yielding 5.37%.
It really depends on why you’re holding the cash though- how long you plan on sitting on it. At some point it probably makes sense to lock in a longer duration t-bill/note.
I generally avoid holding cash unless there’s a specific spending goal in the next 3ish years.
Wouldn’t striking against one at a time be more effective?
Fewer GM being built means they lose market share to ford, making GM more likely to cave easier?
Another pic:
I don’t think there’s a bad decision.
A CD isn’t the only option. A 2-year treasury note pays 4.82% right now. You could do that and then reevaluate in 2 years. Having more accessible/liquid assets leads to more flexibility if you need money for an emergency or even a move or downpayment or whatever.
There’s also the very remote possibility for loan forgiveness.
I don’t think the interest spread is large enough for that to be the “slam dunk” answer though. If you’re not great with money or just don’t want to deal with another administrative burden I’d lean towards just being done with the loans.
Does “de-monetization” simply mean Google isn’t paying him, or that they’re removing all ads (and revenue for themselves) from his videos?