 You know, Vanguard offers like the Vanguard Prime Money Market Fund will yield you over 5%. To me, that's a much better option than the cash fund that you're talking about. Obviously, the Money Market Fund is not FDIC insured. So if that's important to you, then you have to stick with the FDIC and their new cash deposit option. But Vanguard has a lot of very safe, good options in their lineup if that's what you're after.