Banks are going to give you complete shit return for holding your cash. HYSA give you better return, but sometimes suffer from bad checking account features. For example, Wealthfront has very bad check-writing abilities.
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Most brokerages are also not going to give you much for your cash. Excess cash in your brokerage should be put into a money market fund. For example, at Schwab you can [SWVXX](https://www.schwabassetmanagement.com/products/swvxx). The key point is many brokerages won't sweep to this for you, so it requires you to do trades. Fidelity has better auto-sweep services. You can find good money market fund at [Yieldfinder](https://yieldfinder.app/money_markets).
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Most brokerages are also not going to give you much for your cash. Excess cash in your brokerage should be put into a money market fund. For example, at Schwab you can [SWVXX](https://www.schwabassetmanagement.com/products/swvxx). The key point is many brokerages won't automatically sweep to this for you, so it requires you to do trades. Fidelity has better auto-sweep services. You can find good money market fund at [Yieldfinder](https://yieldfinder.app/money_markets).
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This brings me to the next point.
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If you don't do this yourself, your brokerage will love your idle cash sitting around which they will use to invest and earn them, and not you, money. Take a look at the holdings of some mutual funds. Many contain large cash positions that don't give you any return. There is a reason for that. They want to make money off of your money.
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This brings me to the next point: you need to put capital to its best use.