Douglas Bagwell Total Wealth Management using liquid investments for clients that have a high income need or very low risk tolerance with insured deposits. Cash investments are easily redeemable with small, if any, penalties for withdrawal. Examples of cash investments include money market funds, short-term treasuries, bank accounts and certificates of deposit (CDs). Investors benefit from the low-risk yield and high liquidity of cash investments. The downsides to cash investments are the low interest rate and the fact that a favorable interest rate can only be locked in temporarily due to the short periods of time that the interest rate is locked in. 
FDIC Insured: (1)Certificate of Deposit FDIC insured through the depository institution. (2)The Bank Deposit Program provides up to $1 million of FDIC insurance for the uninvested cash held in your Scottrade brokerage account. For more information, please read the Terms, Conditions and Disclosures (PDF). | 
