I'm setting aside money I want to use in the next 3-5ish years. I've had it invested in SWVXX (SCHWAB PRIME ADVANTAGE MONEY INVESTOR) for over a year. It currently has a 7-day yield of 3.50%, but my unrealized gain is 0.
I must be misunderstanding something, because it looks like I've made nothing on this money market fund since day one. The only increase in my balance is the deposits I've made. Feels like I should just go with a HYSA, but I feel like I'm missing something.
Can anyone tell me what I need to look at to see/understand my return?