schwab提供了不少高收益的money market fund, 见 https://www.schwab.com/money-market-funds，但是和fidelity比起来有点不便的是，你的没投资的现金是放在一个收益很低的money market fund里。你要想有高收益，得去买那些高收益的money market fund。下面的评论出自 https://www.mymoneyblog.com/charles-schwab-cash-sweep-options.html However, let’s also be clear that if Schwab was truly client-first, then they would offer a high-yield, low-cost money money fund that would be paying 4%+ interest as their default sweep. Instead, their mandatory default cash sweep pays only 0.45% APY as of 2/28/23. They purposefully make the default profitable for them while making the alternative more hassle.
schwab提供了不少高收益的money market fund, 见 https://www.schwab.com/money-market-funds，但是和fidelity比起来有点不便的是，你的没投资的现金是放在一个收益很低的money market fund里。你要想有高收益，得去买那些高收益的money market fund。下面的评论出自 https://www.mymoneyblog.com/charles-schwab-cash-sweep-options.html However, let’s also be clear that if Schwab was truly client-first, then they would offer a high-yield, low-cost money money fund that would be paying 4%+ interest as their default sweep. Instead, their mandatory default cash sweep pays only 0.45% APY as of 2/28/23. They purposefully make the default profitable for them while making the alternative more hassle.
这问题问的，还是要先做点功课。
回答你的问题是去 Research-> Bonds, CDs and Fixed Income，然后你就会看到US Treasuries，这是二级市场。
还有不知楼主是否明白，t-bill是短期国债的意思，属于债券，不是股票。
为什么大家都去fedality?
fidelity啥都不用干，只要钱一存进去，就有4.xx多的利息，没有任何风险。不像schwab，存进去没有任何利息，一定要买卖才有收益
However, let’s also be clear that if Schwab was truly client-first, then they would offer a high-yield, low-cost money money fund that would be paying 4%+ interest as their default sweep. Instead, their mandatory default cash sweep pays only 0.45% APY as of 2/28/23. They purposefully make the default profitable for them while making the alternative more hassle.
买了money market fund，如果要买股票，需要卖掉等第二天再买股票吗？fidelity可以直接买的。
没有