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REDDIT

Swvxx Schwab Value Advantage vs VBIL Vanguard 0-3 month Treasury ETF

L
Feb 24, 2025 · 19:27

Any and all advice appreciated. With short interest rates most likely stable or higher in the months ahead due to tariffs, inflation rekindling, etc. I have decided to have our non-equity position (approximately $1.5 million) in a money market fund or etf with zero or close to zero interest rate risk on the Schwab platform. So all our non-equity funds are currently in SWVXX Schwab Value Advantage with a 7 day yield of 4.18% or considering VBIL Vanguard 0-3 month Treasury ETF with a 7 day yield of 4.28%. (We were denied higher paying Schwab’s ultra advantage account SNAXX as the $1.5 million is spread over several accounts.) This would be an investment for many months to come if the current macro environment continues. We live in Texas so no state income taxes. The non-equity funds will not be touched as we (my wife and I) have no need to tap the non-equity funds. All comments appreciated.