Addressing Common Client Questions

At Hill Investment Group, we recognize that when a few clients raise the same question, it’s likely that many more have similar thoughts. To better serve you, we’re introducing a new segment in our newsletter where we’ll address common questions and how we approach them. The goal is to address what’s top of mind for our clients. To submit questions for future newsletters, email us at

This month, we’ll debut our first frequently asked question:

“Hey Hill, how can I secure a high rate of return for my cash savings?”

Understanding Cash Savings:

Every investor has to hold on to some amount of cash. We all have daily bills and expenses, something big we’re saving for, or just want something set aside for emergencies. This is money you want to keep safe. As you’ve likely noticed, cash sitting in your bank account earns very little and it may feel like you’re missing out on potential earnings. The great news? You have options at your fingertips, that we can help you take advantage of.

Why does this matter? Ensuring cash is managed effectively is one of the best ways we can help you “pick up the pennies” of extra return around the edges of your portfolio. 

For earning a return on cash, we recommend three options, tailored to your specific situation:

  • Money Market Funds

Money market funds invest in highly liquid, short-term debt instruments like US Treasury bills. These funds offer high liquidity and very low risk, making them a secure option. Investors in money market funds can expect a positive return, currently around 5%, matching the returns on short-term US government debt. We recommend money market funds for cash you plan to use within the next year. We can manage this investment for you, ensuring your cash earns the highest return with minimal risk.


BOXX is an ETF providing money market-like returns but in an ETF format. This means returns are reflected in the increasing price of the ETF rather than as income. Since capital gains are taxed at a lower rate than income, holding BOXX for over a year could significantly enhance your after-tax return. 

We recommend BOXX for cash that you plan to hold for more than a year. We can manage this investment and monitor the holding period to maximize your after-tax return.

  • Flourish – New Service Announcement!

We are excited to introduce Flourish, a new service for Hill Investment Group clients. Flourish removes the hassle of hunting for the highest savings account rate by partnering with over a dozen FDIC-member program banks to ensure you always receive the highest savings rate. Flourish links to your personal checking or business account and offers money market-like returns and up to $10 million in FDIC insurance. This all comes with no fees or minimums and a clean, user-friendly interface. 

We recommend Flourish as your high-yield savings account solution for cash held in personal accounts. We can help you set up Flourish to talk to your personal accounts hassle-free so you know you are getting the most out of your cash at all times.

We’ll be rolling out this service over the coming months, but if you are curious to dive deeper – Check out this 5-minute video. If you’re eager to start using Flourish now, email us, and we’ll send you an invite so you can start benefiting immediately.

We’re here to ensure your cash works as hard as you do. Let us help you maximize your returns with minimal risk.













This information is educational and does not intend to make an offer for the sale of any specific securities, investments, or strategies.  Investments involve risk and, past performance is not indicative of future performance. Return will be reduced by advisory fees and any other expenses incurred in the management of a client’s account. Consult with a qualified financial adviser before implementing any investment strategy.

Hill Investment Group