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6 Best Places to Put Your Money in February

With inflation still elevated and markets adjusting to new rate expectations, February can be a smart time to reassess where your money works hardest.

By Adam Palasciano

Edited by Kristy DeSmit

Updated Feb. 1, 2026

February can serve as a reset point for personal finances, especially after heavy spending over the holiday season. Taking time to review where you stand financially can help you make more informed decisions for the rest of the year.

With inflation still elevated and markets adjusting to shifting expectations, the choices you make now can matter more than usual. A balanced approach can help protect cash while keeping long-term goals in focus.

Here's a closer look at where your money may be best positioned in February 2026.

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The price of gold is at an all-time high

Gold skyrocketed above $4,000-per-ounce in 2025, indicating strong investor interest in assets like precious metals, which are typically a safe haven in times of economic uncertainty.

As of January 28, 2026, gold traded around $5,347.30 per ounce, which reflects a price increase of over 23% year-to-date. To put this into perspective, on January 1, 2026, gold traded around $4,334.30 per ounce—this is a huge gain in a very short period of time.

Rising gold prices often signal heightened demand for assets perceived as stores of value. Rather than serving as a primary growth engine, gold may play a supporting role by helping offset volatility in other parts of a portfolio. For investors concerned about inflation or geopolitical risk, limited exposure can add balance without overconcentration.

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Inflation is on the rise

According to the most recent Consumer Price Index (CPI) report from the Bureau of Labor Statistics, inflation stands at 2.7% as of December 2025, up 0.3% from the prior month.

Persistent inflation can influence borrowing costs, credit card rates, and mortgage interest rates, while also affecting how much savers earn on deposits. When inflation stays elevated, maintaining purchasing power becomes a central concern for households. That backdrop makes it especially important to be intentional about where cash is saved or invested.

6 best places to save or invest your money in February 2026

Periods of economic transition often favor diversification over all-in bets. February presents an opportunity to balance liquidity, income, and long-term growth. The following options reflect different risk levels and time horizons that may suit a wide range of financial situations.

1. High-yield savings accounts

High-yield savings accounts continue to offer a low-risk place to earn interest while keeping funds accessible. These accounts can be especially useful when flexibility matters, such as covering emergency expenses or near-term goals.

Even if rates drop, yields often remain well above traditional savings accounts. FDIC insurance also adds a layer of protection during uncertain market periods.

2. Short-term certificates of deposit (CDs)

Short-term CDs allow savers to lock in a fixed rate for a defined period, often ranging from a few months to one year. This predictability can be helpful for people planning upcoming expenses or waiting for more clarity on interest-rate policy.

Compared with savings accounts, CDs typically offer higher yields in exchange for limited access. Timing and liquidity needs should be evaluated carefully when opening a CD as early withdrawal penalties may apply.

3. Exchange-traded funds (ETFs) and mutual funds

ETFs and mutual funds provide diversified market exposure without requiring individual stock selection. Funds focused on defensive sectors, such as consumer staples or utilities, may be less sensitive to economic slowdowns.

Broad-based index options can also help reduce single-company risk while keeping costs low. For investors easing into markets, these vehicles can offer a more balanced approach.

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4. Treasury inflation-protected securities (TIPS)

TIPS are designed to help protect purchasing power by adjusting their principal value in response to inflation. When consumer prices remain elevated, that feature can be particularly attractive.

Because they are backed by the U.S. government, credit risk is minimal. Still, returns can fluctuate with real interest rates, making expectations for the holding period important.

5. A broad-based mix of global equities

Global equities allow investors to tap into growth opportunities outside the U.S. Diversifying across regions and currencies can help reduce reliance on any single economy.

International exposure may also benefit portfolios if overseas markets rebound at different times than domestic ones. Keeping allocations balanced can help manage the added volatility that global investing may sometimes bring.

6. Short-duration bond funds or core bond funds

Short-duration bond funds aim to generate income while limiting sensitivity to additional interest-rate changes. Core bond funds, which blend government and high-quality corporate debt, can add stability to diversified portfolios.

These funds may help smooth returns when equity markets are volatile. Unlike individual bonds, fund values fluctuate daily, so patience and long-term perspective matter.

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Bottom line

February 2026 presents a mix of challenges and opportunities for savers and investors navigating inflation and evolving market conditions. Whether you prioritize safety, income, or long-term growth, spreading money across different asset types can reduce risk while maintaining flexibility.

As you review your strategy, consider how each choice fits your timeline and comfort level — and whether reallocating now could help you start investing more intentionally while staying prepared for whatever this year brings.

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