Divide your money among demand deposits, time deposits, and money market ETFs. All are in Risk Class 1.

Bank safe deposit box—but insured!
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@Wow Well, like I said, overnight money is too risky for them because they don't trust deposit insurance. Fixed-term deposits are out because of fears of bank failures, and a swap-based money market ETF also seems too risky.

I think you’re still operating in normal mode, not paranoia mode. 😅
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