Start by deciding what you need: a place to keep cash you may need, or help with stock ideas. For cash, a bank account, a money market fund, a certificate of deposit or short-term U.S. Treasury securities are the usual options, and none of them come with a newsletter. Weiss’s terms describe the company as a publisher that does not provide individual investment advice, and refer readers to the SEC and FINRA websites for more information on prudent investing.
Disclosure: Heads up, some links on this page are affiliate links. When you purchase through them, we may be paid a commission.
What should you sort out before you choose?
- When you need the cash: within days, within a year, or not for several years.
- Whether you want a safe place for savings, stock ideas, or both.
- How much you can afford to lose. Weiss’s terms say speculative money should be money you can afford to risk “without jeopardizing your daily life.”
Weiss Ratings says Safe Money Report “helps investors target safety-oriented investments that can deliver the perfect combination of protection, regular payouts, plus capital appreciation potential.” The campaign copy adds monthly issues, Weiss bank and insurer safety ratings, stock ratings and a model portfolio. The seller also says Safe Money Report “is not for everyone.” Once you know the three answers above, the options below match each job.
Where is a safe place to put my money right now?
Howe & Rusling, a wealth management firm, describes money market funds in its Howe & Rusling’s cash alternatives guide as a type of mutual fund that invests in low-risk, short-term debt. The guide says they are designed for money that may be needed for an emergency or short-term goal. Its listed pros are that they are liquid, you can withdraw at any time without penalties, and they often have higher yields than a regular bank savings account.
The same guide lists the downsides. The guide says money market funds don’t carry FDIC insurance like a bank account or CD might. They may be eligible for SIPC coverage when held in a brokerage account. Moving cash to your bank can take a few business days, and the rate can change.
Weiss’s own terms also say that if your goal for a portion of your funds is strictly capital preservation, it believes you should invest those funds in conservative investments such as short-term U.S. Treasury securities or equivalent.
| Option | Best for | What to know |
|---|---|---|
| Money market fund | Cash you may need within days | No FDIC insurance; may be SIPC eligible in a brokerage account; a few business days to move cash; rate can change. |
| Bank savings or money market account | Emergency cash held at a bank | Bank money market accounts are different from money market funds. Check whether your bank is FDIC insured before you move cash. |
| Certificate of deposit | Savings you can leave in a bank product | Check with the bank whether the CD is FDIC insured before you buy. |
| Short-term U.S. Treasury securities | Money where the goal is capital preservation (Weiss’s suggestion) | Weiss names these as its suggestion for capital preservation. |
| Personal adviser or broker you select | Stock picks and advice on your full situation | Weiss’s terms say it is a publisher that “does not provide individual investment advice,” and the seller’s sales page says “We can’t give you personalized financial advice.” |
| Private equity, private credit or private real estate | Not a cash option or a stock-research source | The Goldman Sachs alternatives survey of 1,000 US investors with over $1 million in investable assets covers attitudes toward alternatives. Goldman’s own disclosure calls private equity investments speculative and highly illiquid, with high fees and expenses, and intended for experienced and sophisticated long-term investors. |
Where can you find stock research without a newsletter?
Weiss’s terms point readers to the Securities and Exchange Commission and to the Financial Industry Regulatory Authority for more information on prudent investing. Check what each site offers, and what it costs if anything, directly on the site before you rely on it.
Weiss’s terms also say that trading in stocks, funds and other instruments “involves risk of loss and volatility,” and that discussions of any security on its site “will not contain a list or description of relevant risk factors.” Read the risk material yourself before you act on any stock idea, whatever the source.
What does Safe Money Report cost, and can you get a refund?
As of October 31, 2026, the AI Apocalypse campaign page lists a one-year Safe Money Report membership at “Your Price Today (as low as): $49,” against a regular price of $129 a year. Prices and offers change, so check today’s price directly with the company before you order. For the full price and refund breakdown, read is safe money report a scam or legit.
The campaign copy says “You’ll have 12 months to cancel, at any time, and get your money back.” It also describes a 365-day money-back guarantee, with a full refund available at any time during the next 12 months if you call customer service.
Weiss’s terms add a limit. They say its renewal, cancellation and refund policies “differ depending on the category and initial term of service,” so read the section that matches your order. Weiss’s contact page lists “Cancel or Refund a Subscription” as a topic, with phone support at 1-877-934-7778, Monday to Friday, 9:00 to 5:30 Eastern. For renewal terms to check at checkout, see safe money report reviews.
Could I just do it myself?
You can keep the cash side simple with a bank account or money market fund, neither of which involves a newsletter subscription. What you give up are the extras the seller lists as part of membership: the monthly issue, the model portfolio and the ratings alerts. The stock research then becomes your job. Weiss’s terms refer readers to the SEC and FINRA websites for more information on prudent investing. On the separate question of handing money to a professional, a 2016 review in Prilozi indexed on PubMed describes a case in which a young doctor’s first patient gift was money, using data from a study of Croatian general practitioners.
Before you order
- Confirm the renewal price on the order form before you pay.
- Call customer service at 1-877-934-7778 and ask how the refund section applies to your term.
- If you are holding emergency cash, check whether your bank is FDIC insured.
- Read the investing information at sec.gov and finra.org before you act on any stock pick, and keep your order confirmation so you can use the refund window.
By LegalHelpOnline.org Legal Research & Editorial Team