Higher cash savings returns
Smart Savings
Based on our comprehensive research and decades of experience, we hold the belief that savers and investors both merit and can achieve significantly greater cash returns than what they would receive from their savings in a bank. Here are three methods to achieve this goal:
Money Market ETF Portfolio
Employ an ultra-short-term bond ETF portfolio that surpasses the performance of money market funds.
Treasury ‘Money Market’ ETFs
Opt for ‘money market equivalent’ Treasury ETFs u2014 as secure as a Treasury money market fund, yet lower expense ratios and available in almost every brokerage.
Income & Savings Tips
Make use of the abundant resources available on Yield Alley, known for offering unbiased and extremely helpful savings tips and resources.
Detailed Portfolio Performance
Money Market ETF Candidates & Performance
Candidate ETFs:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| ICSH (iShares Ultra Short-Term Bond Active ETF) | 1.76% | 4.65% | 5.28% | 3.75% | 2.81% | NA | NA | … | … |
| NEAR (iShares Short Duration Bond Active ETF) | 0.90% | 4.37% | 5.69% | 3.90% | 2.86% | NA | NA | … | … |
| JPST (JPMorgan Ultra-Short Income ETF) | 1.68% | 4.60% | 5.25% | 3.67% | NA | NA | NA | … | … |
| BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) | 1.83% | 4.21% | 4.76% | 3.48% | 2.28% | 1.49% | NA | … | … |
| SHV (iShares Short Treasury Bond ETF) | 1.77% | 4.21% | 4.76% | 3.39% | 2.27% | 1.53% | NA | … | … |
| TFLO (iShares Treasury Floating Rate Bond ETF) | 1.93% | 4.30% | 4.85% | 3.70% | 2.39% | NA | NA | … | … |
Data as of 06/05/2026, Common starting date is 05/19/2017
Latest Performance:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| MPIQ Ultra ST Bond ETFs | 0.19% | 3.79% | 5.06% | 3.52% | 2.49% | NA | NA | … | … |
| CASH | 0.61% | 2.75% | 3.31% | 2.44% | 1.61% | 1.08% | 1.16% | … | … |
| BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) | 0.85% | 3.99% | 4.70% | 3.28% | 2.18% | 1.43% | NA | … | … |
| Ticker/Portfolio | Last 1 Week | 1 Yr | 3 Yr | 5 Yr | 10 Yr | 15 Yr | 20 Yr | Common | Inception | YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 | 1987 | 1986 | 1985 | 1984 | 1983 | 1982 | 1981 | 1980 | 1979 | 1978 | 1977 | 1976 | 1975 | 1974 | 1973 | 1972 | 1971 | 1970 | 1969 | 1968 | 1967 | 1966 | 1965 | 1964 | 1963 | 1962 | 1961 | 1960 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annualized Return (%) | MPIQ Ultra ST Bond ETFs | 0.30 | 3.79 | 5.06 | 3.52 | 2.49 | NA | NA | … | … | 0.19 | 5.13 | 3.85 | 7.13 | 1.37 | 0.14 | -0.25 | 3.06 | 2.11 | 1.44 | 1.25 | 0.70 | 0.01 | 0.00 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| CASH | 0.05 | 2.75 | 3.31 | 2.44 | 1.61 | 1.08 | 1.16 | … | … | 0.61 | 2.88 | 3.62 | 3.66 | 1.43 | 0.02 | 0.25 | 1.47 | 1.38 | 0.66 | 0.22 | 0.03 | 0.02 | 0.03 | 0.06 | 0.03 | 0.09 | 0.10 | 0.97 | 3.15 | 3.42 | 2.26 | 0.98 | 0.72 | 1.15 | 2.46 | 4.22 | 3.37 | 3.47 | 3.68 | 3.65 | 3.98 | 3.07 | 2.17 | 2.49 | 3.92 | 5.50 | 5.95 | 4.89 | 4.22 | 4.36 | 5.49 | 7.05 | 6.31 | 7.84 | 10.54 | 8.54 | 7.43 | 5.22 | 3.81 | 3.64 | 4.22 | 5.76 | 5.16 | 2.94 | 3.15 | 4.67 | 4.89 | 3.91 | 3.11 | 3.52 | 2.87 | 2.58 | 2.28 | 2.00 | 1.69 | 2.07 | |
| BIL (SPDR Blo…Bill ETF) | 0.05 | 3.99 | 4.70 | 3.28 | 2.18 | 1.43 | NA | … | … | 0.85 | 4.15 | 5.19 | 4.94 | 1.40 | -0.10 | 0.40 | 2.03 | 1.74 | 1.21 | 0.18 | -0.13 | -0.07 | -0.09 | -0.04 | -0.04 | -0.04 | 0.36 | 3.90 | 5.10 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Sharpe Ratio | MPIQ Ultra ST Bond ETFs | NA | 1.20 | 1.40 | 1.07 | 0.82 | NA | NA | … | … | -0.22 | 2.22 | 0.16 | 3.41 | -0.10 | 0.40 | -0.21 | 4.15 | 1.42 | 1.15 | 1.45 | 0.77 | -0.03 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| CASH | NA | 0.00 | -0.16 | -0.08 | -0.03 | NA | NA | … | … | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| BIL (SPDR Blo…Bill ETF) | NA | 6.45 | 6.00 | 3.38 | 2.24 | NA | NA | … | … | 6.00 | 6.23 | 6.29 | 4.57 | -0.10 | -0.89 | 0.83 | 2.95 | 1.93 | 1.55 | -0.13 | -0.62 | -0.34 | -0.52 | -0.46 | -0.26 | -0.46 | 0.39 | 1.78 | 3.92 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Standard Deviation(%) | MPIQ Ultra ST Bond ETFs | NA | 1.07 | 1.23 | 1.01 | 1.08 | NA | NA | … | … | 1.22 | 1.01 | 1.44 | 1.02 | 0.51 | 0.28 | 2.32 | 0.38 | 0.51 | 0.68 | 0.71 | 0.87 | 0.39 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| CASH | NA | 0.01 | 0.03 | 0.08 | 0.08 | NA | NA | … | … | 0.00 | 0.01 | 0.02 | 0.01 | 0.06 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.03 | 0.01 | 0.02 | 0.02 | 0.00 | 0.01 | 0.05 | 0.01 | 0.01 | 0.02 | 0.00 | 0.00 | 0.01 | 0.03 | 0.00 | 0.02 | 0.03 | 0.02 | 0.02 | 0.04 | 0.02 | 0.03 | 0.02 | 0.03 | 0.02 | 0.10 | 0.07 | 0.12 | 0.05 | 0.04 | 0.03 | 0.01 | 0.02 | 0.03 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 | 0.01 | 0.00 | 0.01 | 0.03 | |
| BIL (SPDR Blo…Bill ETF) | NA | 0.20 | 0.23 | 0.26 | 0.26 | NA | NA | … | … | 0.19 | 0.20 | 0.25 | 0.28 | 0.25 | 0.14 | 0.18 | 0.19 | 0.19 | 0.36 | 0.30 | 0.26 | 0.24 | 0.24 | 0.22 | 0.26 | 0.29 | 0.68 | 1.65 | 1.52 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Draw Down(%) | MPIQ Ultra ST Bond ETFs | NA | 1.13 | 1.13 | 1.13 | 3.27 | NA | NA | … | … | 1.13 | 0.50 | 0.76 | 0.30 | 0.26 | 0.25 | 3.27 | 0.07 | 0.14 | 0.22 | 0.18 | 0.32 | 0.34 | 0.00 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| CASH | NA | 0.00 | 0.00 | 0.00 | 0.00 | NA | NA | … | … | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| BIL (SPDR Blo…Bill ETF) | NA | 0.01 | 0.01 | 0.10 | 0.21 | NA | NA | … | … | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.11 | 0.09 | 0.02 | 0.02 | 0.04 | 0.09 | 0.15 | 0.11 | 0.11 | 0.04 | 0.09 | 0.07 | 0.24 | 0.64 | 0.24 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | |
| Yield(%) | MPIQ Ultra ST Bond ETFs | NA | 4.47 | 4.81 | 3.38 | 2.55 | NA | NA | … | … | 0.00 | 4.49 | 5.13 | 4.86 | 1.80 | 0.69 | 1.34 | 2.67 | 2.15 | 1.46 | 1.03 | 0.82 | 0.20 | 0.00 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| CASH | 0.05 | 2.52 | 2.58 | 2.03 | 1.37 | 0.92 | 0.92 | … | … | 1.08 | 2.56 | 2.62 | 2.60 | 1.28 | 0.00 | 0.00 | 1.91 | 1.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.58 | 2.61 | 2.60 | 2.60 | 0.50 | 0.00 | 0.00 | 2.35 | 4.93 | 2.61 | 2.61 | 2.61 | 2.62 | 3.79 | 2.81 | 2.61 | 2.62 | 4.00 | 5.22 | 5.20 | 5.22 | 4.89 | 4.45 | 5.22 | 7.05 | 5.50 | 7.24 | 10.06 | 8.10 | 7.62 | 5.27 | 3.60 | 2.68 | 4.45 | 5.34 | 5.01 | 2.60 | 2.65 | 4.87 | 5.22 | 3.36 | 2.60 | 2.65 | 2.61 | 2.62 | 2.61 | 2.61 | 2.60 | 2.60 | |
| BIL (SPDR Blo…Bill ETF) | 0.29 | 3.86 | 4.56 | 3.37 | 4.33 | 2.88 | 2.61 | … | … | 1.44 | 4.13 | 5.03 | 4.92 | 1.35 | 0.00 | 0.30 | 2.05 | 1.66 | 1.37 | 0.13 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.19 | 3.83 | 5.00 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
Performance Comparison Chart
Data as of 03/31/2026, Common starting date is 12/31/2013
Treasury ‘Money Market’ ETF Comparison
Comparison:
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| USFR (WisdomTree Floating Rate Treasury Fund) | 1.66% | 4.07% | 4.78% | 3.68% | 2.29% | NA | NA | … | … |
| TFLO (iShares Treasury Floating Rate Bond ETF) | 1.93% | 4.30% | 4.85% | 3.70% | 2.39% | NA | NA | … | … |
| SGOV (iShares 0-3 Month Treasury Bond ETF) | 1.85% | 4.28% | 4.83% | 3.61% | NA | NA | NA | … | … |
| BIL (SPDR Bloomberg 1-3 Month T-Bill ETF) | 1.83% | 4.21% | 4.76% | 3.48% | 2.28% | 1.49% | NA | … | … |
Data as of 06/05/2026, Common starting date is 05/28/2020
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