Smarter Cash: Liquidity, Yield & Lower Volatility | Episode 137
Update: 2025-08-22
Description
As the Fed flirts with rate cuts, many retirees face shrinking savings and money-market yields. In this episode, Brian Decker and Brad Geddes, CFP(R) break down DRP’s Cash Plus portfolio—built for 0–5 year dollars that need liquidity and low volatility, yet can aim higher than plain cash. They also cover how AI is changing principal-guaranteed indexes and the timing inside momentum models, plus a simple checklist for a rock-solid retirement plan.
What you’ll learn
Why falling rates can punish “safe” cash—and what to do about it
How a diversified cash sleeve (short-term Treasuries, market-neutral, dividend equities) targets steadier yield with 100% liquidity
“Upside/Downside capture”: keeping more of the good, less of the bad
Where AI already fits: principal-guaranteed index designs and trade-timing in momentum strategies
Six keys to a resilient retirement plan (taxes, risk control, income optimization, fees, and more)
Call us: 833-707-3030
More resources: DeckerRetirementPlanning.com → Safer Retirement Education (free downloads)
What you’ll learn
Why falling rates can punish “safe” cash—and what to do about it
How a diversified cash sleeve (short-term Treasuries, market-neutral, dividend equities) targets steadier yield with 100% liquidity
“Upside/Downside capture”: keeping more of the good, less of the bad
Where AI already fits: principal-guaranteed index designs and trade-timing in momentum strategies
Six keys to a resilient retirement plan (taxes, risk control, income optimization, fees, and more)
Call us: 833-707-3030
More resources: DeckerRetirementPlanning.com → Safer Retirement Education (free downloads)
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