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Let’s look deeper at brokerage cash and find out what exactly you can do with this money in your account.
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What is brokerage cash?
Brokerage cash refers to the total amount of uninvested money in your brokerage account. Sometimes called “uninvested cash” or “cash to invest,” brokerage cash can include instant deposits, unsettled funds and dividend payments, among other things.
In short, brokerage cash is the difference between your portfolio value and your investments’ value.
Do brokerage accounts earn money?
Some brokerage firms allow you to earn money on your brokerage cash through cash sweep programs. Through these programs, a broker sweeps your uninvested cash from your brokerage account into an affiliated, interest-bearing savings or money market account with one or more partner banks. Interest rates vary across brokers, but as of February 2024, the best broker cash sweep rates pay around 5% annual percentage yield (APY). Compare that to the average savings account rate of 0.46%.(1)
4 ways to use your brokerage cash
There are several ways to make use of your brokerage cash, like investing it or using it to pay bills. Here are a few options:
- Invest in stocks, exchange-traded funds (ETFs) and other long-term assets. Buy and hold securities like stocks and ETFs, which offer the greatest potential for growth over the long term.
- Buy short-term bonds or CDs. Short-term fixed-income investments such as bonds and certificates of deposit (CD) are typically safer securities than stocks and ETFs, but they’re also less liquid.
- Leave it alone to earn interest. Let your money earn interest through your broker’s cash sweep program.
- Pay bills. Some brokerage firms let you pay bills by transferring money directly from your brokerage account.
Brokerage cash vs. buying power
Whereas brokerage cash refers to the uninvested cash in your account, buying power is the amount of money you can use to purchase stocks, ETFs or other securities available through your broker.
Buying power is calculated by subtracting things like pending orders, options collateral and restricted cash from your brokerage cash. The amount of your uninvested cash and buying power won’t necessarily always match.
For example, say you have $50 in your brokerage cash balance, and you place a limit order to buy one share of XYZ stock at $10. XYZ stock currently trades at $15 per share, so the limit order is pending. A limit order is an order to buy or sell a stock at a specified price. At this point, your brokerage cash will still be $50, but your buying power will be $40. The $10 difference is the reserved money for the pending order. You have $40 available to buy more securities.
Robinhood brokerage cash: An example
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What is the Finder Score?
The Finder Score crunches 147 key metrics we collected directly from 18+ brokers and assessed each provider’s performance based on nine different categories, weighing each metric based on the expertise and insights of Finder’s investment experts. We then scored and ranked each provider to determine the best brokerage accounts.
We update our best picks as products change, disappear or emerge in the market. We also regularly review and revise our selections to ensure our best provider lists reflect the most competitive available.
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Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.
Bottom line
Brokerage cash is uninvested money in your brokerage account that may come from bank transfers, dividend payments or the sale of securities. While you can use brokerage cash to invest, the best brokerage accounts pay interest on this cash through cash sweep programs or cash management accounts.
Frequently asked questions
Can I withdraw brokerage cash?
Yes, you can withdraw settled brokerage cash at any time.
What is brokerage cash services?
Brokerage cash services or programs refer to ways your brokerage firm can use your brokerage cash to your advantage. For example, some firms pay interest on your brokerage cash by sweeping it into an affiliated savings or money market account.
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