Where to Park Your Cash When Banks Don’t Pay
Where to Park Your Cash When Banks Don't Pay with Chris Lopez and Lon Welsh
Where should you park your cash when interest rates are high and a recession is looming? We’re comparing four traditional options against Ironton Capital’s Short Term Income Fund.

There is quite a bit of uncertainty in the economy as the Federal Reserve continues to aggressively push forward in taming down inflation through their interest rate hikes.  With a recession either looming or already starting, preserving your capital and liquidity in these times is more important than ever.  

When inflation is as high as 6.5%, it’s important to consider how we store our capital in a recession. We risk losing purchasing power of our savings if not stored properly, such as in a checking/savings account that only earns on average 0.5% interest. Where can you park your cash and not preserve your purchasing power?

Depending on your financial situation, there are several storage vehicles you should consider that can help you earn an equal if not greater return on your money relative to Inflation while still maintaining your liquidity goals. 

We’re looking at four common options for storing capital—checking/savings accounts, CDs, I bonds, and treasury bills—and comparing them with Ironton Capital’s Short Term Investment fund.  When choosing a vehicle to store your capital, there are several important factors to keep in mind: liquidity, return, risk, diversification, and expertise level.  Everyone will weigh these factors differently, depending on their long-term goals and short-term needs.

Thanks to the 2012 Jobs Act, small businesses like Ironton Capital can more easily raise money and offer different types of investment vehicles, like real estate debt funds.  These funds allow investors to create a pool of hard money loans with each individual’s contribution spread equally across every loan.  These funds are a great spot for accredited investors to park their cash, as they offer liquidity, a good return, low risk through diversification, and have experts doing the underwriting.  Investors can expect a return of 7-8% and have the ability to request their cash when they need it.

Everyone’s financial situation and capital needs are different.  Although it’s not a one size fits all solution, it’s clear which storage option will put you further ahead. Ironton Capital’s Short-Term Income Fund will not only provide you, on average, double the returns relative to the other options, but you will also be at a tax advantage on the earned interest you accumulate on your investment.

If this sounds like a match for your investing needs, reach out to Zach Garfias ([email protected]) or Nick Elder ([email protected]) with any questions or to start the process.

Watch the Webinar Where to Park Your Cash When Banks Don’t Pay

In This Webinar We Covered


Ironton Capital’s Short Term Income Fund


These forward-looking statements are based on assumptions and estimates by management of the Fund that, although believed to be reasonable, are inherently uncertain and subject to risks and uncertainties that could cause actual results to differ from historical results or those anticipated or predicted by such forward-looking statements.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All investing includes risk including the possible loss of principal. No strategy ensures success or protects against loss. 

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Chris Lopez
Chris Lopez is a Denver area real estate entrepreneur and investor, as well as the host of Bigger Pockets’ House Hackerz and the Denver Real Estate Investing Podcast.
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