Haha, I would be delighted if I needed up to 50mm in deposit protection! 😆

Re: safety and yield, my advisor turned me onto USFR to capture yield from raising rates. I guess it's not quite as good as the backwards-looking short term treasury strategies once the Fed does finally reverse course, but I tend to think the market has been and continues to be overly optimistic on taming inflation and the Fed's willingness to reverse course with stocks and the labor market doing so well. 🤷

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