Where to put cash before rates go down

[Anonymous]

I have cash in HYSA and rolling 6 month T bills. Now looking at something with a longer term since rates look like they will be going down. Ideas? A CD? Funds are in a taxable account and I am in highest tax bracket in a state with income tax.

[Anonymous]

You could buy a 52 week t-bill or 2-3 year bonds. I checked government bonds yesterday and 2 years were at about 4.6%.

Or lock in some good 12-18 month CD rates now.

[Anonymous]

If you're in a high tax bracket and have a state income tax, have you looked at your state's municipal bonds? They are generally tax free in the state you live in and are Federal tax free. Of course, you pay a premium to get them. But in high tax situations they can make sense.

[Anonymous]

The S&P 500.