# Swoopr Investment: Cash And Cash Equivalents
# Scoped content manifest for LLM agents and web crawlers.
# Generated: 2026-10-09
# 27 pages in this section.
# Root index: https://www.getswoopr.com/llms.txt

## Cash & Cash Equivalents

- [Cash & Cash Equivalents](https://www.getswoopr.com/cash-and-cash-equivalents/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents.md)): How savings accounts, high-yield savings, CDs, money market funds, T-bills, and FDIC/NCUA insurance fit into a portfolio's cash allocation.
- [APY vs Interest Rate: The Difference](https://www.getswoopr.com/cash-and-cash-equivalents/apy-vs-interest-rate/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/apy-vs-interest-rate.md)): The interest rate ignores compounding; APY includes it. A 5% rate compounded daily yields a higher APY than monthly. See the formula and an example.
- [Bank Sweep Programs](https://www.getswoopr.com/cash-and-cash-equivalents/bank-sweep-programs/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/bank-sweep-programs.md)): A bank sweep program automatically moves uninvested brokerage cash into an interest-bearing account each day. Here's how the rate and coverage work.
- [Brokered CDs](https://www.getswoopr.com/cash-and-cash-equivalents/brokered-cds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/brokered-cds.md)): A brokered CD is bought through a brokerage instead of a bank. Here's how the secondary market, pricing risk, and FDIC coverage differ from a bank-direct CD.
- [Cash Equivalent Due-Diligence Checklist](https://www.getswoopr.com/cash-and-cash-equivalents/cash-and-cash-equivalent-due-diligence-checklist/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/cash-and-cash-equivalent-due-diligence-checklist.md)): A numbered checklist for reviewing every cash and cash-equivalent holding: what it is, its insurance status, its yield, and the risks it carries.
- [Cash Management Account vs. HYSA](https://www.getswoopr.com/cash-and-cash-equivalents/cash-management-account-vs-hysa/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/cash-management-account-vs-hysa.md)): A cash management account sweeps cash across a bank network; a high-yield savings account is a single-bank deposit. Here's how the two actually differ.
- [Cash Management Accounts](https://www.getswoopr.com/cash-and-cash-equivalents/cash-management-accounts/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/cash-management-accounts.md)): A cash management account sweeps uninvested cash into FDIC-insured partner banks or a money market fund. Here's how the coverage claims actually work.
- [CD Laddering](https://www.getswoopr.com/cash-and-cash-equivalents/cd-laddering/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/cd-laddering.md)): CD laddering splits savings across staggered maturities so part of the balance comes free regularly. Here's how to build one and what it trades off.
- [Certificates of Deposit (CDs)](https://www.getswoopr.com/cash-and-cash-equivalents/certificates-of-deposit-cds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/certificates-of-deposit-cds.md)): A CD locks funds for a fixed term at a fixed rate. Here's how the rate and term tradeoff works, what early withdrawal costs, and how FDIC coverage applies.
- [Emergency Fund vs Investment Cash](https://www.getswoopr.com/cash-and-cash-equivalents/emergency-fund-vs-investment-cash/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/emergency-fund-vs-investment-cash.md)): An emergency fund and investment cash both sit in cash, but they do different jobs: one protects against income shocks, the other funds portfolio moves.
- [FDIC Deposit Insurance](https://www.getswoopr.com/cash-and-cash-equivalents/fdic-deposit-insurance/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/fdic-deposit-insurance.md)): FDIC deposit insurance covers up to $250,000 per depositor, per insured bank, per ownership category. Here's what's covered, what isn't, and how to raise the limit.
- [FDIC vs. SIPC](https://www.getswoopr.com/cash-and-cash-equivalents/fdic-vs-sipc/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/fdic-vs-sipc.md)): FDIC covers bank deposits up to $250,000 if a bank fails. SIPC covers brokerage securities and cash up to $500,000 if a brokerage fails. Neither covers investment losses.
- [Government Money Market Funds](https://www.getswoopr.com/cash-and-cash-equivalents/government-money-market-funds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/government-money-market-funds.md)): A government money market fund holds Treasuries and agency debt. Here's how it differs from a Treasury-only fund and a prime fund as a cash holding.
- [High-Yield Savings Accounts](https://www.getswoopr.com/cash-and-cash-equivalents/high-yield-savings-accounts/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/high-yield-savings-accounts.md)): A high-yield savings account pays a meaningfully higher rate than a standard savings account with the same FDIC or NCUA insurance. How the rate works.
- [How Much Cash to Hold in a Portfolio](https://www.getswoopr.com/cash-and-cash-equivalents/how-much-cash-to-hold-in-a-portfolio/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/how-much-cash-to-hold-in-a-portfolio.md)): There is no universal cash percentage. How much to hold depends on time horizon, income stability, and known near-term spending, weighed against inflation drag.
- [Inflation Risk and Cash](https://www.getswoopr.com/cash-and-cash-equivalents/inflation-risk-and-cash/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/inflation-risk-and-cash.md)): Cash's nominal value never falls, but its purchasing power can. Real return is roughly nominal yield minus inflation, and it can turn negative.
- [Liquidity Risk in Cash Products](https://www.getswoopr.com/cash-and-cash-equivalents/liquidity-risk-in-cash-products/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/liquidity-risk-in-cash-products.md)): Liquidity risk in cash products has two axes: can you access the money quickly, and will you get it back. CD penalties, money market stress, and CD resale risk.
- [Money Market Deposit Accounts](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-deposit-accounts/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-deposit-accounts.md)): A money market deposit account is an FDIC- or NCUA-insured bank product, not a security. How it works, its rates, and how it differs from a money market fund.
- [Money Market vs Ultra-Short Bond Funds](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-fund-vs-ultra-short-bond-fund/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-fund-vs-ultra-short-bond-fund.md)): Money market funds and ultra-short bond funds both hold short-term debt, but only one follows SEC Rule 2a-7. Compare NAV pricing, maturity limits, and risk.
- [Money Market Funds](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-funds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/money-market-funds.md)): Money market funds are securities, not bank deposits, and carry no FDIC insurance. How they function as a cash-equivalent choice next to savings and CDs.
- [NCUA Share Insurance](https://www.getswoopr.com/cash-and-cash-equivalents/ncua-share-insurance/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/ncua-share-insurance.md)): NCUA share insurance protects credit union member deposits up to $250,000 per member, per institution, per ownership category, the credit union analog to FDIC insurance.
- [Prime Money Market Funds](https://www.getswoopr.com/cash-and-cash-equivalents/prime-money-market-funds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/prime-money-market-funds.md)): Prime money market funds hold commercial paper and corporate short-term debt, not just government securities, trading a small yield edge for added credit and liquidity risk.
- [Reinvestment Risk](https://www.getswoopr.com/cash-and-cash-equivalents/reinvestment-risk/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/reinvestment-risk.md)): Reinvestment risk is the chance returning cash must be reinvested at a lower rate. It hits CD ladders, T-bill rollovers and bond coupons when rates fall.
- [Savings Accounts](https://www.getswoopr.com/cash-and-cash-equivalents/savings-accounts/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/savings-accounts.md)): A savings account is an FDIC- or NCUA-insured bank deposit that pays interest and keeps cash liquid. How they work, what they pay, and where they fall short.
- [Treasury Bills as Cash Equivalents](https://www.getswoopr.com/cash-and-cash-equivalents/treasury-bills-as-cash-equivalents/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/treasury-bills-as-cash-equivalents.md)): Treasury bills are short-term U.S. government debt backed by the government, not FDIC insured. How they function as a cash-equivalent choice for investors.
- [Treasury Money Market Funds](https://www.getswoopr.com/cash-and-cash-equivalents/treasury-money-market-funds/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/treasury-money-market-funds.md)): A Treasury money market fund holds short-term U.S. government debt. Here's how it works as a cash holding, its tax treatment, and its insurance status.
- [What Counts as a Cash Equivalent?](https://www.getswoopr.com/cash-and-cash-equivalents/what-counts-as-a-cash-equivalent/) ([Markdown](https://www.getswoopr.com/cash-and-cash-equivalents/what-counts-as-a-cash-equivalent.md)): A cash equivalent is a highly liquid, short-term holding convertible to a known cash amount quickly with minimal price risk. Here's what qualifies and what doesn't.