In an account that allows you to trade stocks and ETFs (exchange traded funds), where can you safely park your money so that it is available almost immediately (within 2-3 days max) and you suffer very little risk of loss on your capital (i.e. you're not invested in stocks for example) and at the same time you earn a little interest (eg 0.5% to 3%) a year? I was thinking about a very cautious bonds ETF with a short term duration/maturity to limit the risk of loss on the capital, but when looking at charts of a very cautious bond ETF as the Vanguard Short-Term Bond ETF (BSV), I noticed drawdowns of 1% or more over a few weeks time period and just holding cash could do better than this ETF at certain times. What investment earns a little interest a year with no risk of drawdown in capital within a stocks and ETF account? Max total investment being around $50K. If and when I choose to go back to cash, I need to be able to go back to cash in increments of $10K max, i.e. I must not be forced to go back to cash all at once or in large chunks of $25K for example, so that I keep a degree of flexibility on the percentage of the account I choose to hold in pure cach and the percentage I choose to hold in the investment.