3 Monthly Pay Investments Safe as CDs and Easy to Sell Anytime

Investment Vehicles - Exchange-traded funds (ETFs) trade on major exchanges and can be bought or sold at any time, providing strong investor demand and liquidity [1] - High-yield money market funds aim to generate income while keeping the principal stable and liquid, offering higher interest rates than traditional savings accounts [8][9] - Certificates of deposit (CDs) are considered safe investments but come with liquidity issues and penalties for early withdrawal, typically paying interest quarterly [3][4] Investment Recommendations - The SPDR Bloomberg 1-3 Month T-Bill ETF (NYSE: BIL) is recommended for its 4.12% yield and monthly dividend payments, making it suitable for conservative investors [6][7] - The BlackRock Liquidity Funds - FedFund (BFCXX) is highlighted for its 3.68% yield and daily liquidity, investing primarily in cash and U.S. Treasury securities [13] Economic Context - The Social Security Administration announced a 2.8% cost-of-living adjustment (COLA) for 2026, benefiting approximately 75 million Americans, with an average monthly increase of about $56 for retirees [5]