SPRXX is better at 4.14% 7 day (4.23% compund) same as cash (automatically pays bill etc) and can use them directly to purchase stocks any time. If you have 100K (initial buy in amount, after that you can keep it below 100K) try FZDXX 4.26% 7 day (4.35% compound). 1M you can go with FNSXX (7 day 4.42% compound 4.52%). These are not FIDC insured but SPIC insured.
Fzdxx利率有4.26%，但是有最低限额10万（我看网上说一开始买的时候有10万就行，后面可以低于10万也没事），这个需要像股票一样买卖不能当cash position colorfulmud 发表于 2023-01-04 23:51
FZDXX You only need to buy in with the minimum 100K but doesn't need to sell when you use it to buy stocks or fund or paybills. And once you buy in, you don't need to keep it at 100K.
刚才去看了下 https://fundresearch.fidelity.com/mutual-funds/summary/31617H201 SPRXX： Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.49% 3 Yrs +0.62% 5 Yrs +1.12% 10 Yrs +0.69%
https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 FZDXX：Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.58% 3 Yrs +0.67% 5 Yrs +1.20% 10 Yrs +0.75% 不知道怎么会有3-4%的Rate呢？
刚才去看了下 https://fundresearch.fidelity.com/mutual-funds/summary/31617H201 SPRXX： Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.49% 3 Yrs +0.62% 5 Yrs +1.12% 10 Yrs +0.69%
https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 FZDXX：Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.58% 3 Yrs +0.67% 5 Yrs +1.20% 10 Yrs +0.75% 不知道怎么会有3-4%的Rate呢？
刚才去看了下 https://fundresearch.fidelity.com/mutual-funds/summary/31617H201 SPRXX： Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.49% 3 Yrs +0.62% 5 Yrs +1.12% 10 Yrs +0.69%
https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 FZDXX：Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.58% 3 Yrs +0.67% 5 Yrs +1.20% 10 Yrs +0.75% 不知道怎么会有3-4%的Rate呢？
刚才去看了下 https://fundresearch.fidelity.com/mutual-funds/summary/31617H201 SPRXX： Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.49% 3 Yrs +0.62% 5 Yrs +1.12% 10 Yrs +0.69%
https://fundresearch.fidelity.com/mutual-funds/summary/31617H805 FZDXX：Performance 2 AS OF 12/31/2022 *AS OF 1/4/2023; Value is cumulative YTD (Daily)* +0.05% Average Annual Returns1 Yr +1.58% 3 Yrs +0.67% 5 Yrs +1.20% 10 Yrs +0.75% 不知道怎么会有3-4%的Rate呢？
我觉得你说的对 FDIC-insured up to $250,000 (per account owner, per issuer) https://www.fidelity.com/fixed-income-bonds/cds The CDs of any one Issuer that you may purchase will be eligible for FDIC insurance up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., individual, joint, IRA, etc.). For purposes of the $250,000 federal deposit insurance limit, you must aggregate all deposits that you maintain with the Issuer in the same insurable capacity, including deposits you hold directly with an Issuer and deposits you hold through the Firm and other intermediaries. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fixed-income/cddisclosure.pdf
Core position SPAXX 3.88 % 或者 FDRXX 3.88%
有风险吗？可以随时用来买股票吗？
没错
这个可以当core position吗？还是需要买卖的那种
对，补充一点，在各类退休账号里买FZDXX的最低限额是一万。
SPRXX 里面有投commercial paper，理论上风险比SPAXX （只投government securities）高一点。但是风险还是很小的，因为存在风险差，所有利率要高百分之0.3。如果用来park emergency fund是可以的。
但是不能用来作为core position。
SPRXX is better at 4.14% 7 day (4.23% compund) same as cash (automatically pays bill etc) and can use them directly to purchase stocks any time. If you have 100K (initial buy in amount, after that you can keep it below 100K) try FZDXX 4.26% 7 day (4.35% compound). 1M you can go with FNSXX (7 day 4.42% compound 4.52%).
These are not FIDC insured but SPIC insured.
FZDXX You only need to buy in with the minimum 100K but doesn't need to sell when you use it to buy stocks or fund or paybills. And once you buy in, you don't need to keep it at 100K.
Asset-Backed CP
https://fundresearch.fidelity.com/mutual-funds/summary/31617H201
SPRXX： Performance 2
https://fundresearch.fidelity.com/mutual-funds/summary/31617H805
FZDXX：Performance 2
不知道怎么会有3-4%的Rate呢？
Yield
帖子里说的都是7-day yield，就是最近的利息，因为活期利息是浮动的，随着fed加息一直在涨，原本没那么高的，所以一年平均下来没有最近的7-day高
这个只是因为当前利率比较高，所以才会高。以前利率低，所以收益也低。这种收益是随时变动的，并不是像国债那样是长期固定的。
请问Etrade里有没有类似的fund？投资的钱都在Etrade里，懒得转
每个brokerage都有类似的money market fund，你没投资的钱就自动放在里面。 我看了下E*Trade提供几个这样的 fund，你可以登陆账户看看现在钱在哪个fund里，可以改选收益高的那个。 最高的那个是 OGVXX 4.18%，也许要满足一定条件，还有几个3点几的。
https://us.etrade.com/l/options-uninvested-cash https://us.etrade.com/l/options-uninvested-cash/sweep-rates#MMMF
谢谢啦，晚上就去研究一下
我理解是每个产品 比如我在fidelity里买cd 买25万的a银行 买25万的b银行 那么这50万都是insured的 是这样吗
fidelity的客服跟我说一个ssn就只保25万
我觉得你说的对
FDIC-insured up to $250,000 (per account owner, per issuer) https://www.fidelity.com/fixed-income-bonds/cds
The CDs of any one Issuer that you may purchase will be eligible for FDIC insurance up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., individual, joint, IRA, etc.). For purposes of the $250,000 federal deposit insurance limit, you must aggregate all deposits that you maintain with the Issuer in the same insurable capacity, including deposits you hold directly with an Issuer and deposits you hold through the Firm and other intermediaries. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fixed-income/cddisclosure.pdf
这个靠谱么