Most billionaires put their money into public holdings — 36.4% of their portfolios were allocated to this asset class — followed by private holdings at 35%, liquid assets such as cash at 26.4%, and real estate and luxury assets at around 2.2%.

The average billionaire only holds 1% of their net worth in liquid assets like cash because the vast majority of their fortunes are usually tied up in business interests, stocks, bonds, mutual funds and other financial assets.

1. Bank of America Private Bank. Private Bank is the private banking division of Bank of America, and it targets individuals with a minimum of $3 million in liquid assets. The Wealth Management Interest checking account is geared toward high-net-worth individuals who want to earn a competitive rate on their balance.

The Best Safe Investments For Your Money

• High-Yield Savings Accounts. High-yield savings accounts are just about the safest type of account for your money.
• Certificates of Deposit.
• Gold.
• U.S. Treasury Bonds.
• Series I Savings Bonds.
• Corporate Bonds.
• Real Estate.
• Preferred Stocks.

For example, certificates of deposit (CDs), money market accounts, municipal bonds and Treasury Inflation-Protected Securities (TIPS) are among the safest types of investments. Certificates of deposit involve giving money to a bank that then returns it with interest after a certain period of time.

No investment is completely safe, but there are five (bank savings accounts, CDs, Treasury securities, money market accounts, and fixed annuities) that are considered to be among the safest investments you can own. Bank savings accounts and CDs are typically FDIC insured.

Vanguard Wellesley Income (VWINX): The portfolio is solidly conservative with an allocation that ranges between 35% and 40% stocks, around 60% bonds, and the remainder in around 5% cash. As for performance, Wellesley beats at least 90% of other conservative allocation funds for 3-, 5- and 10-year returns.

The yield of the bonds held in a fund’s portfolio and the price of those bonds. The insurance features they add to the underlying portfolio of bonds effectively removes the risk that if interest rates rise your stable value fund investment will lose money.

Protect Retirement Money from Market Volatility

1. Maintain the Right Portfolio Mix.
2. Diversification Helps.
3. Have Some Cash on Hand.
4. Be Disciplined About Withdrawals.
5. Don’t Let Emotions Take Over.
6. The Bottom Line.

Yes, the cash balance in the Fidelity® Cash Management Account is swept into an FDIC-insured interest-bearing account at one or more program banks. The deposit at the banks is eligible for FDIC insurance and subject to FDIC insurance coverage limits. You cannot access your funds directly from a program bank.

The Battelle Stable Value Fund seeks to provide current and stable income, while maintaining a stable share value of $1. Learn more about this portfolio’s investment strategy and policy. Knowing a fund’s investment style can help you understand how it might fit in your portfolio.

6 Funds to Maximize Your Income While You’re Retired

• Vanguard Wellesley Income Admiral Fund.
• Vanguard Wellesley Income Fund Investor Shares.
• Vanguard Equity Income Fund Investor Shares.
• Vanguard Wellington Fund Investor Shares.
• Dodge & Cox Stock Fund.
• Vanguard PRIMECAP Fund Investor Shares.
• The Bottom Line.

Risk and volatility Although Vanguard selects only highly rated investments for the fund, the contracts held by the fund are not guaranteed by the U.S. government, Vanguard, the trustee, or your retirement plan. A stable value fund is designed as a low-risk investment, but you could still lose money by investing in it.