Total Annual Cash Required
$276K
All properties combined
Total Owner Contribution
$109K
Net cash needed annually
This Month
$25.5K
April requirements
Next Month
$22.5K
May requirements
Liquid Cash Position
$134,589.5
US Bank Money Market Account
Current Annual Yield
0.01%
~$13/year
Potential Annual Yield
4.5%
~$6057/year
Optimization Opportunity
By moving your cash to a high-yield savings account or money market fund, you could earn an additional $6,043.069/year (~$504/month) while maintaining full liquidity for property expenses.
Tier 1: Emergency Reserve
Instant access for unexpected expenses
Recommended Amount
$30,000
Suggested Account
Ally Money Market
Expected Yield
4.25%
Covers 3-4 months of property expenses. Instant access with check-writing capability.
Tier 2: Operating Cash
Near-term expenses and owner contributions
Recommended Amount
$50,000
Suggested Account
Marcus HYSA
Expected Yield
4.40%
Covers annual owner contributions ($109K total). 1-2 day transfer time to checking.
Tier 3: Investment Reserve
Maximize yield while maintaining liquidity
Recommended Amount
$54,590
Suggested Account
Vanguard Money Market
Expected Yield
4.96%
Higher yield for excess cash. Can be moved to Tier 1/2 within 1-2 days if needed.
Projected Annual Interest Income (3-Tier Strategy)
$5,988
vs. Current Income
+$5,974
| Account | Type | Yield | Min Balance | Liquidity | FDIC |
|---|---|---|---|---|---|
US Bank Money Market CurrentCurrent holding - very low yield | Current Account | 0.01% | $0 | Instant | Yes |
Marcus by Goldman Sachs HYSA Top-tier HYSA, no fees, easy transfers | High-Yield Savings | 4.40% | $0 | 1-2 Days | Yes |
Ally Bank Money Market Competitive rate with check-writing | Money Market | 4.25% | $0 | Instant | Yes |
Wealthfront Cash Account Highest yield, $8M FDIC coverage via partner banks | Cash Management | 4.50% | $1 | 1-2 Days | Yes |
Vanguard Federal Money Market Higher yield, not FDIC but extremely safe (govt securities) | Money Market Fund | 4.96% | $3,000 | 1-2 Days | Govt Securities |
Fidelity Government Money Market High yield, govt-backed securities, no minimum | Money Market Fund | 4.92% | $0 | 1-2 Days | Govt Securities |
Implementation Notes
- •No lock-up periods: All recommended accounts allow same-day or 1-2 day transfers back to checking
- •FDIC coverage: Consider spreading across multiple banks if total exceeds $250K per institution
- •Rate monitoring: High-yield rates fluctuate with Fed policy—review quarterly
- •Tax consideration: Interest income is taxable—factor into annual tax planning
- •Easy setup: Most accounts can be opened online in 10-15 minutes with instant funding