PI · 10 entries

Passive & Investing

Returns primarily funded by previously supplied capital, property, or intellectual property rather than current hours worked.

Excludes: Businesses marketed as passive but requiring active operations; Guaranteed-return schemes; Ordinary wages.

Subcategory brief

Yield Is Not Total Return

Reader question: How much cash was distributed, how did principal change, and what risk produced both?

Default sort: usefulness and evidence — not highest risk first.

A short-term federal security with transparent auctions and low credit risk, but changing yields and early-sale price risk.

A defined-term cash instrument that can lock a rate, provided the saver understands liquidity, renewal, and insurance limits.

A simple cash-yield method when the bank and deposit are actually FDIC-insured and fees do not erase the rate advantage.

A liquid bank-yield option when correctly distinguished from an uninsured money market mutual fund and kept within deposit-insurance limits.

A government savings bond that adjusts for inflation, useful only for money that can tolerate strict early-liquidity limits.

A liquid short-term securities fund that can offer competitive yield but must not be mistaken for an insured savings account.

A diversified fixed-income vehicle whose regular-looking distributions do not eliminate duration, credit, or principal-loss risk.

A diversified way to seek equity distributions, but the cash yield cannot be evaluated separately from market losses, fees, and dividend cuts.

A liquid route to real-estate distributions, but rate sensitivity, leverage, property cycles, and share-price losses remain substantial.

Describes mechanics. Does not accuse a legitimate company merely because scammers impersonate it.

An unregistered offer promising guaranteed high passive returns matches securities-regulator warnings about high-yield investment fraud.