Overview of the best short-term investments in 2024 Investment TypeSafetyAverage Rate (as of February 2, 2024) High-yield savings accountsHigh4.35% - 5.05% Money market accountsHigh4.99% - 5.29% Cash accountsHigh4.75% - 5.50% Ultra short-term bond ETFsMedium3% - 5.11% 2 more rows