Common Sense Financial Podcast

Episode 44 What to Do with Cash In A Low Interest Rate Environment

If you’ve been around for as long as I have, you know that the world has changed over the last few decades.

Ever since the late 80’s, we’ve been in a period of historically low interest rates hovering near zero for a number of years.

And that low interest has created a number of opportunities for investment, especially in the world of fixed income, but that party is coming to an end.

The future is uncertain, but this much we know.

Interest rates, like taxes, are going up.

When and how much? We don’t know for sure, but we know what direction they’re moving in.

And that means that you need to think outside the box if you want to find a reasonable yield for your “safe money” investments.

A few years ago, I had a colleague ask me what I thought about dividend-paying whole life insurance as a way to get higher yields without the risk of the stock or bond market.

Frankly, I thought he was nuts.

But I did some research and found that he was onto something…

In today’s episode of the podcast, I go into why a dividend-paying whole life insurance policy may be exactly what you need to generate a decent yield for the “safe money” portion of your portfolio, and how you can take advantage of one.


  • About the different types of whole life insurance and which ones you should avoid,
  • Why thinking about policies in terms of premiums and death benefits is a mistake and what you should be thinking about instead,
  • How a life insurance policy fits into your overall investment strategy.

My relationship with life insurance over the years has had its ups and downs, but it wasn’t until I challenged my preconceived notions did I see the possibilities of what the right policy can do for you.