ETFs tracking renewable infrastructure saw inflows on government funding news. But market concentration in a few high-profile projects could enhance systemic investing risk in the sector. The guide also encouraged individuals with larger balances (over $50,000) to deposit money into a cash management account (CMA), a recommendation with which Yang also agreed. He explained that a common mistake high earners make is letting cash sit in regular savings when they could be earning 2.5% to 5% while still maintaining liquidity. Risk: Money market funds usually are pretty safe, says Ben Wacek, founder and financial planner of Guide Financial Planning in Minneapolis. Recent sector rotation into energy stocks reflects cautious sentiment, as crude prices hit $82 per barrel. Investing risk rises if commodity volatility disrupts corporate margins in manufacturing and transportation industries.