What I have been doing is buying 1 month CD's. They are at great rates now and don't have the long time commitments other CDs have(you can get them via a brokerage like Morgan Stanley or Schwab). I have been seeing rates of 4.2-4.3%, the rest of my money is in high interest savings which is yielding in the high 3's. I think we will see a sharp correction and have alot of money on the sidelines once things start to fall apart.
Wealthfront is paying 4.05%, and if you can convince someone to open an account and use your referral, you get an extra 50 bps for 3 months, up to 4 times, for 12 months of 0.50% bonus.
You could get 4.55% for up to 12 months with 100% liquidity, much better than a CD.
Wealthfront cash has a 4% checking+savings account (the distinction is no longer necessary, as iirc the monthly withdrawal limit has been done away with a few years ago).
Have you tried Primus? A bank offering a better percentage than RRP seems a bit sketchy and temporary, but maybe I'm missing something.
