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You just ask IntraFi to place it for you. https://www.intrafi.com/services/deposit-solutions/for-regio...

It generally looks transparent and like it's just in your chosen bank. (Though if you want laddering, etc, you do need to plan).

If you have a lot of cash, you buy T-Bills and other instruments with some of it.

And yes, you have some risk remaining, of some of the cash disappearing. But with diversification and insurance, it is negligible.



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