FYI: With the 10-year Treasury rate spending most of their time below 3% over the last four years (and less than 2% from April 2012 to May 2013) keeping the bulk of your savings in cash may be not the safe harbor you think it is.
It may be surprising to some, but if your primary goal is to preserve your wealth, investing and maintaining exposure to the markets may be a better option than keeping your money in cash in the long term.
From 2004-2013, cash had the second-worst performance out of the 10 major asset classes, according to JPMorgan. Only highly volatile commodities performed worse. Even emerging markets, with their volatility and their collapse in 2008, outperformed cash over the 10 years cumulatively by 180.7%
Regards,
Ted
http://www.thinkadvisor.com/2015/06/24/cash-is-no-longer-kingand-never-should-be?t=fixed-income
