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Turn uncertainty into a plan
Not sure whether to stick with cash, buy more gold, or jump back into stocks? A fiduciary financial advisor can walk you through the trade‑offs and design a strategy built for your goals.
How it works
- Take a 2‑minute quiz. Answer a handful of questions about your timeline, risk comfort, and portfolio size.
- Get matched with a vetted fiduciary. We pair you with an advisor who is legally obligated to put your interests first.
- Enjoy a free consultation. Talk through your next steps, ask every question on your mind, and leave with clear action items — no cost, no obligation.
Why speak with an advisor now?
- Objective guidance. Fiduciaries work for you, not a commission.
- Customized solutions. Your mix of cash, gold, and equities should reflect your life stage, not the day's headlines.
- Peace of mind. A solid plan lets you stop worrying and start focusing on long‑term growth.
Ready to get clarity?
Start the quiz and get a free assessment on your financial plan
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Worried that tariffs and tumbling bonds will keep crushing stocks? There are still two classic safe havens: gold and cash.
Gold is shining again
Gold slipped only briefly recently before roaring back above $3,100 an ounce and is now up nearly 20% in 2025.
"The problem with gold is that in good times it's going to lag. It's a proxy for cash," said John Canally, chief portfolio strategist at TIAA Wealth Management.1 <p class=""><a href="https://www.barrons.com/articles/gold-cash-stocks-tariffs-trump-8e1d653f">Source</a></p>
"The current situation — high geopolitical tensions and the consequent economic instability — boosts the demand for gold," added Alex Tsepaev, chief strategy officer at B2PRIME.1 <p class=""><a href="https://www.barrons.com/articles/gold-cash-stocks-tariffs-trump-8e1d653f">Source</a></p>
Analysts note that some foreign central banks may be swapping Treasuries for bullion, which could keep prices elevated.
Cash still wears the crown
When markets get rocky, money‑market funds that hold cash and short‑term Treasuries become the comfort trade. Top offerings from Vanguard, Schwab, Invesco, Fidelity, and JPMorgan are all yielding north of 4%. The Vanguard Federal Money Market Fund's 10‑year annualized return is 1.8% — hardly life‑changing, but enough to let jittery investors breathe easier.
"Cash right now is the bright and shiny object," Canally said. "But we tell our clients … that if you are trying to time the market, you have to get many decisions right. Cash is not a great long‑term store of value."1 <p class=""><a href="https://www.barrons.com/articles/gold-cash-stocks-tariffs-trump-8e1d653f">Source</a></p>
Play defense now, offense later
Parking money in gold and cash can steady nerves, yet remember these assets will not build real wealth over decades. Once the panic fades, think hard about which stocks you want to own five, ten, even twenty years from now — and stick with them.2 <p class="">This content is for informational purposes only and is not intended as investment advice. Always consult a licensed financial advisor before making investment decisions.</p>
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Today's Top High-Yield Savings Accounts
Grow your savings faster with the best high-yield savings accounts from our partners, offering up to 10x higher APY (annual percentage yield) than traditional savings accounts.3 <p class="">The product and annual percentage yield (APY) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your area. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. Always verify account details and availability with the financial institution before opening an account.<br></p>
| Bank/Institution | APY
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Open Account | Bonus Offer |
|---|---|---|---|
2025 award winner Best Checking and Savings Combo /images/2024/07/31/sofi_logo_-_cropped.png){kind=logo}
5.0
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3.80
With $0 min. balance4 <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p>
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APY
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Member FDIC
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Up to $300 cash bonus when you sign up and set up direct deposit with a minimum initial deposit of $5,000 or more5 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> |
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2025 award winner Best for Low or No Fees /images/2024/07/31/barclays_logo_-_cropped_2.png){kind=logo}
4.5
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4.00
With $0 min. balance6 <p>Barclays Tiered Savings Annual Percentage Yields (APYs) are accurate as of 05/15/2025 and may change at any time without prior notice, before or after the account is opened. The APYs are determined by the Balance Tiers (Tiers) and the amount deposited. The same rate may apply to multiple Tiers and Tiers may change without notice. APY is calculated based on the Tier into which the end of day account balance falls. Fees could reduce the earnings on the account. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01. Please see the Compare Account Page for current Tier and APY information.</p>
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APY
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Member FDIC
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N/A |