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Akun Vanguard Cash Plus Dibandingkan dengan Alternatif Terbaik

Rob Berger 258 views

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Bottom line, is it safe? Or is there a potential to lose money?
Comment from : @stevevecc3835

If my bank is a sweep used by these accounts how do I "monitor " the cash amount that applies to my bank account to ensure the FDIC limits have not been exceeded?
Comment from : @kimoharris808

Rob uses money market "account" and "fund" interchangeably in this video but they are not Money market ACCOUNTS (MMAs) are usually FDIC insured and a hybrid between a high-yield savings and checking account Money market FUNDS are an investment you can purchase through a broker and are not FDIC insured
Comment from : @codycoblentz4284

Can I have my paycheck directly deposited from my employer into my VG CP account via ACH?
Comment from : @ks5831

I would add this accountbut as I can tell, there is no check writing Sometimes I need to write a check
Comment from : @davemen11

Vanguard offering only 350 now 😢
Comment from : @tbart765

The cash plus account is protected?
Comment from : @gabruck58

Who better to listen to than an attorney Thanks!
Comment from : @chee-chee9916

Most of these are under 4 now 😩
Comment from : @keithyeah8348

If you go to Vanguard, good luck on someone answering the phone - they have poor CS
Comment from : @jagsterr1

Hi Rob! I'm wondering how you're feeling about this account now, one year later, given the grim prospects for the US and global economies ahead in the final part of 2025 and 2026 I'm conisdering moveing out of the Fidelity Money Market and into Vanguard to secure my funds given the prospect of a dramatic downturn and the devaluation of the dollar
Comment from : @InsideJobwithKatie

As of 7/20/25, Wealthfront is now offering 400 APY
Comment from : @sup3rman1402

Cash Plus is an interest-bearing account that gives you a routing number and account number which makes bill pay possible This is the only way an outside company can directly access one of your Vanguard accounts (None of your other Vanguard accounts will have a routing number (provided by PNC Bank) associated with it)
Comment from : @robertlong7723

How often do they pay out the interest, monthly?
Comment from : @sypherism

47 percent was forever ago
Comment from : @chechokiko7904

Vanguard lets you opt out of any of their participating banks, which is not only nice to guarantee FDIC insurance, but also if you do not want to support a bank like Wells Fargo
Comment from : @Th3Think3r

It is useless
Comment from : @retired8484

So if you save your money on vanguard you’ll get 40 apy on that money it’s my first time wanting to have a savings account like this but would just like to know if this is how it sorks
Comment from : @luissantizo5853

The only big downside with the Cash Plus account is the lack of a debit card feature
Comment from : @asphaltandtacos

Thank you for all of your insights This is an amazing service you are providing
Comment from : @stevencohen4372

Great info!
Comment from : @likenewcarpetcare

my bank of america has an APY of like 1 so this sounds better
Comment from : @MannySimoneCards

Excellent video Thanks
Comment from : @dumbledan4016

Thanks for the analysis, makes perfect sense! I just wish I had learnt this years ago, sigh, better late than never I guess!
Comment from : @seanwei9284

Excellent advise Rob ! Thank you
Comment from : @petermintz885

I like E*Trades all-in-one approach and they have a great Banking solution that blends nicely with the Brokerage aspect I have used this platform for decades And since October 2020 when Morgan Stanley acquired E*Trade, the products and service have only gotten better which has been a bonus for a platform I had already enjoyed using prior to the MS takeover
Comment from : @Stack_Silver

I opened this account but have since transferred funds out of it for one reason There is no way to setup TOD beneficiaries on this account I have called Vanguard 3 times and also sent 3 messages to them requesting info on setting up beneficiaries, no-one would help me I am now considering moving assets to Fidelity because of Vanguards lack of any customer service I am concerned my beneficiaries may have trouble assessing the funds without any customer service to assist them
Comment from : @jerrydean648

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30 per year in dividend returns Any advice?
Comment from : @Lemariecooper

"Unless you're keeping large amounts of money," real specific advice
Comment from : @choski76

Very good info on how sweeping works and how Vanguard promise FDIC protection for more than 250K Thank you
Comment from : @circrna

I was thinking about using Vanguard and sweeping it to a MMF Do you happen to know if the core position in a MMF can be liquidated and used to pay bills automatically? I have been using Fidelity, and it seems like it can keep my position in the SPAXX MMF until I need to pay bills It automatically liquidates the funds and transfers them out Does Vanguard’s Cash Plus account do the same?
Comment from : @tamwilfred

I kind of wish you had spent more time going over why choose the money market fund vs something like a high yield savings account if the returns are roughly the same For example, suppose ufb and vmfxx had been exactly the same yield
Comment from : @dreadlord9257

Hey Rob! Love the content How do you feel about Fidelity cash management now that you can choose SPAXX as its core position? I was considering using that as my main checking and savings, their Visa as my 2 catch-all to reinvest the rewards…and my 401k is already with them Thanks in advance!
Comment from : @dogdadmaestro

My take is that you concentrate on Vanguard How about comparing V with Fidelity, Schwab and some others? A chart or two Is it advisable to use just ONE that you can trust and rely on? Assuming I don't have the time or energy to keep track At one time, I had so many I got a headache with them So I went with an advisor and let him make my decisions But - I do want to be able to tell him what he can do for me Example: I tell him what NOT to buy
Comment from : @morganfbilbo462

Thank you for this detail I opened the Cash Plus account to hold my "fun money" of under $1K It's easier for me to have it there than to open at a new institution for just that A MM account requires a higher initial investment I learned a lot from this video Thank you
Comment from : @janethunt4037

This is so helpful! Thank you so much!
Comment from : @lisaeshleman754

Since all my investments are with Vanguard, I transferred my entire cash account from Ally to the Vanguard Fed Money Market It beats the 420 at Ally by a full percentage Thanks for the tip!
Comment from : @OpaG

I was looking for ways to keep my cash readily available while still earning some interest before using it to pay off credit cards This led me down a rabbit hole trying to understand the difference between checking and savings accounts these daysbrbrTraditionally, checking accounts were for writing checks and paying bills, while savings accounts offered interest but limited transactions However, some banks now blur the lines For example, my Fidelity Bloom savings account sweeps money into a money market fund and still allows me to pay bills The government money market fund is (SPAXX) which currently has a 495 yield The one year return was 505brbrI wonder is this a good choice or if there are better options out there
Comment from : @peterparker2068

In the practical sense of FDIC insurance is unlimited
Comment from : @Omego2K

Whoa, that's good to know that they put your money into other bank accounts I did not know this THANK YOU for creating this video I didn't realize all the terms either or about looking specifically for Federal Money Market Fund So good to know Such a good video So glad I watched this!!
Comment from : @jujubees711

"Money Market accounts are not FDIC insured" By! See ya! Out of here
Comment from : @erichansen3641

Thanks for the nice summary
Comment from : @lawrenceralph7481

What would be your best 5 etfs for a beginner
Comment from : @NeilConnor-g9x

Is that a ROM comic book behind you???
Comment from : @bigdaddycraze

What do you think of BOXX etf?
Comment from : @khanli1851

🎯 Key Takeaways for quick navigation:brbr00:27 b💰 Vanguard Cash Plus account offers 47 APY with FDIC insurance coverage up to $125 million, but it's subject to change/bbr01:49 b📈 Wealthfront's cash account yields 5 with FDIC insurance coverage up to $8 million, outperforming Vanguard/bbr02:46 b💳 Betterment's cash account yields 575, with FDIC insurance coverage up to $2 million, offering a competitive alternative/bbr03:42 b🏦 Empower's personal cash account matches Vanguard's yield at 47 but offers up to $5 million in FDIC insurance/bbr04:23 b🏧 Fidelity's cash management account yields 272 but operates more like a checking account, not ideal for high-yield savings/bbr06:41 b💼 Vanguard Cash Plus account is reasonable for those already with a Vanguard brokerage account, but not necessarily the best option/bbr10:33 b💵 Vanguard's federal money market funds offer higher yields than the Cash Plus account, making them a better option for parking cash/bbr13:47 b📉 Rates on US Treasuries and money market funds generally beat Vanguard's Cash Plus account, making them preferred options for cash storage/bbrbrMade with HARPA AI
Comment from : @usaindian1704

Hi Rob, money market accounts are not FDIC but they are SIPC right?
Comment from : @marisolzumaeta8950

I got about $60,000 sitting in a savings account earning next to nothing and I wanna put it into something even if it’s just a making me around $500 bucks a year
Comment from : @TJDawgs72

Something a little confusing on the Vanguard site: on the VMFXX it says YTD returns 126 and next to it it says Compound yield 541 So the fund is going to return 126 or 541?
Comment from : @PhilippeOrlando

You totally missed the point Ach transactions are allowed I can earn interest on the money I use to pay bills What other high yeild account does that?
Comment from : @spidyoweb

Is there an easy way to see how often these accounts change their APY rates? I wonder if some of these are teasers and will knock you back down to 4 range after a month or 2
Comment from : @supermills03

Thx Rob, you can also add Ally bank at 55
Comment from : @sidshri6080

Should we be concerned if the funds are deemed to be held in one of the states with an Estate or Inheritance Tax? I want my heirs to receive ALL of my holdings (which are below the Federal Estate Tax Exclusion amount) I looked at Pennsylvania's Inheritance tax law because I was offered 465 APY by PNC Bank in a high yield savings (online) account I live out west, but the way I read the law, Pennsylvania would be able to tax any amount a beneficiary received from this account upon my death This is not often spoken about, but it should be
Comment from : @joshm3342

This video could have been 3 minutes loads of unnecessary blah blah blah unsubscribe
Comment from : @fs5775

Is there any advantage of buying a Vangaurd federal money market fund (like VMFXX) inside this cash account rather than a standard brokerage account or just a settlement fund for that matter?? Thanks
Comment from : @NextGenEvs

Question If you are 50 with $4 million invested having 50 in etfs based on broad indexes (Dow, Spy, Nasdaq) and 50 money market Is this $ enough to retire? I rent a 2 bedroom apartment, no debt, no kids I also ask because I have slight back pain sitting at PC 8 hours a day I wonder how long I can endure it I anticipate 6 returns but the past 30 years seem like a rosey picture Thanks
Comment from : @mikeg2538

Thanks, Rob I am just in the process of restructuring about 25M in cash and this info was exactly what I needed
Comment from : @jdmxxx38

Could you please tell me IF Vanguard collapses or goes bankrupt, what happens to my investment???brWill I recoup all my money in both portfolios and VMFXX ??brTHANK YOU for your explanation and expertise 🙏🙏🙏
Comment from : @suracharawirojratana8723

Question-can you rollover pretax savings to a Vanguard cash plus account or will you need to pay taxes on the move? Thank You
Comment from : @Nickescaped

Thank you for the information Most definitely going to research these options
Comment from : @rubendelatorre318

If you use Vanguard, just keep your cash in your brokerage settlement account, which is the Federal MM Fund (VMFXX) and link your bank account to it for any transfers you want to do Even auto withdrawals work great Best of both worlds
Comment from : @billthumann

Great content, always! Many thanks With the Vanguard cash plus account or others, is the rate fluid or does it stay locked in at the level when you put in your money?
Comment from : @dandawson8128

Thanks Rob I think there also could be tax differences between savings and money market alternatives Savings as Ordinary Income and Money Market as dividends depending on how that may play out for each person
Comment from : @RodHardin

I was in the process on making some investment decisions and came across this video Since I use Vanguard, this was excellent advice Thank you…
Comment from : @edc614

Fidelity is paying 496 on their money market today Someone below claims that Schwab pays even more Not FDIC insured but almost every money planner I have ever listened to says it makes no difference Is there a reason why Vanguard is paying almost 5 less than Fidelity?
Comment from : @pointreyes4272

Why do Tbills with time frames? High yield savings account are smart because you can get that money nowif you have money you know you do not need invest in stocks like Costco or even an ETF or something?🤔
Comment from : @Jack51971

Do not fall for the investments with any companies, keep your cash! Not any returns, but at least you have your cash!
Comment from : @rondean2733

Rob,brI've kept all of my cash in VMFXX and had been lazily wondering whether a CD might offer better returns I finally visited the Vanguard site yesterday to compare them and was happy to see that VMFXX compared well, at least on the 7-day rate (I'm not sure that a 7-day time frame really tells much?) I left feeling comfortable with keeping things as they werebrWhile browsing the money market info comparisons I couldn't help but notice the super high rate of the Corporate BBB fund (It was over 14 yesterday) I'm sure it's much riskier, but I would love to hear your explanation of what the risks are brbrThanks for all you do
Comment from : @glennr9913

I had an Ally savings and it was ok I'm going to try this because it has bill pay so I can keep the money I have in my checking and my savings in this account and gain interest on both
Comment from : @dhyskRand

What do you think about a municipal money market account for high income earners who can benefit from a better tax adjusted return?
Comment from : @McGnarly76

You don't mention the ability to have direct deposits and auto drafts for bill pay that you do not have with a mm fund
Comment from : @billdickason2950

Agree the Vanguard US Treas MMkt Acct is good for many reasons for those of us in Taxifornia, it is exempt from Uncle Gavin's state taxes & still pays 529 effectively raising the true yield a touch higher
Comment from : @robt-lg7jz

Someone with 8 mil doesn’t care for any of these 😂 Those folks are on a different playing field
Comment from : @mrprfct7069

Everbank (TIAA) offers 515 APY right now
Comment from : @samkeino6810

I'm watching the screen that says 475 APY while you repeatedly said 575 on marker 2:57 and again at 3:14 What am I missing?
Comment from : @moki888

Hi Rob, I watch you alot Good information, Here's what is not clear to me I currently am using aVanguard Cash Deposit Account (interest rate 37) inside my Roth IRA account Would I be able to convert that to a Cash Plus Account and use it as my investment sweep acount instead of what I am currently using thereby gtting 47 instead of 37 ?
Comment from : @miketurchiaro589

I want it, I just don't see how you get it Does it work for a brokerage account? Good topic Reading the PDF on the Vanguard site it doesn't sound like this replaces your "sweep" account, it simply sounds like an FDIC savings account
Comment from : @Jim-oo7dk

Helpful information Can't you just set the sweep account to go to Vanguard federal money market paying 529 in your video, rather than the 47 of Vanguard Cash plus default investment?
Comment from : @scotttruax8437

I don’t like how it won’t let you auto invest
Comment from : @Anthony-zw1qb

What will happen to these suggestions when interest rates go down?
Comment from : @stan7757

You lost me when you said let's compare this FDIC insured account to things that are not FDIC insured I really don't care that much but that's apples and oranges
Comment from : @SpringRubber

Rob liking your videosbrbr1 question I have as I have VSAXX, GSY, GBIL, NEAR and Robinhood 5 on sweep accountbrbrI am assuming these are all ditros treated as interest and irdinary incomebrbrIs there a good 5 option that will be treated as qualified dividends/cap gains??brbrThanks againbrbrI have another Q or 2 that I will save for later
Comment from : @danielshawtoy1

I use CIT - but I have a question: The CIT rep said I'm covered for 250k for me AND each of the beneficiaries I have listed She said I am covered to 750k is this true? do listed beneficiaries increase coverage?
Comment from : @BiggMo

My AmEx FDIC insured savings account is paying 505 as of January 26, 2023 But my SWVXX money market account currently has a 7 Day average return of around 52
Comment from : @Undisclosed86467

Why pay an expense ratio on a money market account when your local savings institution may have competitive rates to use your money for local projects? You have to factor in your cost when comparing rates
Comment from : @helenwood3199

The Fidelity Cash Management account does a LOT more than described You can do any investment in that account, but I recommend keeping to cash like money market funds Fidelity will auto-sell a money market fund for you to settle your cash expenses I'm using FDLXX right nowbrbrNote that money market funds pay a lot better rate but are not FDIC insured They are covered by SIPC
Comment from : @Sylvan_dB

I opened one of these accounts about 2 months ago I had a Wells Fargo Savings account that paid 001 Transferred the balance from WF to Vanguard It fits in well with my other Vanguard accounts Thanks for the video
Comment from : @Idaho-Idaho

I have been using Vanguards Fed MM instead of Bonds
Comment from : @jaytouvelle2359

Any safe funds that you could recommend that would yeild 6 or more a year? Any information would be appreciated
Comment from : @kbro7484

The smart phone login account bonly/b is questionable! When SHTF, do you think your phones would work?
Comment from : @googolpi

Hi Rob, unrealted to this paricular video but will you continue the New Retirement overviews? Thanks for your expertise and time I'm continuing to learn
Comment from : @subman656

47 is pretty good for the Vanguard Cash Plus account! Most online saving accounts like American Express, etc, have 425!! Make sure to ask Vanguard how OFTEN you can withdraw from a Vanguard Cash Plus account, the max you can do per withdrawal, etc bEvery bank has a limited number of withdrawals per day or per month and a max amount you can do per withdrawal/b !!brbrbIMPORTANT/b : You are FDIC insured bup to/b the max amount of PER institution, regardless of how many accounts and how much accumulatively you have at that institution!!!!brbrbAND/b rememberThe more you make, the more the govt gets! So, don't sweat the small percentage differences between banks Choose good banks with good competitive rates, ones with pretty large capitals on hand or big market caps Try not keep all your eggs in one basket
Comment from : @googolpi

Hmmm if the Program Banks are paying Vanguard 470 plus expenses, they must be having problems attracting short-term deposits on their own Time to short the stock of these banks ?
Comment from : @kevink7777