Comparison Table (June 2025)

Product Type	Example(s)	Annual Yield	Monthly Income on $100k	Principal Risk	Liquidity
Money Market Account	Presidential Bank, Brilliant Bank	4.15–4.37%	$346–$364	None (FDIC insured)1 2 3	High
Money Market Fund	FZDXX, SPAXX	4.39–4.76%	$366–$397	Minimal (very stable)7	High
High-Yield Savings	Axos, LendingClub	4.40–4.66%	$367–$388	None (FDIC insured)4	High
REIT ETF	NETL	~4.9–5.2%	~$412	Moderate (market risk)	High

Key Points

Money Market Accounts, Money Market Funds, and High-Yield Savings Accounts offer yields in the 4.15%–4.76% range, with principal protection (FDIC insurance for bank accounts; extremely low risk for money market funds)1 2 3 47.
NETL offers a higher monthly yield (~$412 per $100,000) but exposes your principal to market fluctuations—share prices can go down, and dividends may be reduced in adverse market conditions.
SPAXX and FZDXX are among the safest options, with yields currently around 4.39%–4.76% and principal stability7.
FDIC-insured accounts (money market or savings) provide maximum safety for your cash, though yields are slightly lower than NETL.

Conclusion

If low risk to principal is your top priority, FZDXX, SPAXX, or a top FDIC-insured money market or high-yield savings account are the best choices, offering stable monthly income with virtually no risk to your original investment1 2 3 47.
If you are comfortable with some market risk for a modestly higher yield, NETL is an option, but your principal will fluctuate with the real estate market.

For most risk-averse investors, FZDXX or a top money market account is the optimal balance of yield and principal safety.

Search This Blog

Suddenly Single