$ Cash $

High liquidity
Insured (FDIC)
Cannot lose principal
but...
Negative real rates of
return after inflation

$ Rainy Day Savings $

Low liquidity
Penalties for early
withdrawals
Principal is guaranteed
by the contract
Conservative but
positive rates of return

Checking accounts

Certificates of deposit (FDIC)

Savings accounts

Fixed and Indexed Annuities

$ Investments $
Liquidity varies
Principal at risk of
severe losses!
Positive and negative
rates of return

Stocks
Bonds
Variable Annuities

Money Market funds (not insured,

may lose value)

Cash value life insurance

AERIE Preferred
Financial Group

Other traditional investments