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Alternative Emergency Fund Parking Strategy
30 y.o what can I do to better my "portfolio" for retirement
ELI5: How are Government money markets held primarily in agencies and repo agreements not the absolute safest places to store money, even above FDIC or SIPC?
Started investing somewhat late, and looking for some feedback on what I've done so far.
State Tax Exemptions on US Government Interest for Tax Return
Mentions
What to do with $350k in MM 37M, married with 2 kids under 3. Sold a rental property and left with $350k after tax which happens to coincide with amount remaining on primary mortgage. Currently sitting in FDRXX yielding a little over 4%. Have about $1.8M invested elsewhere across retirement and taxable brokerage accounts ($500k actively managed/$250 low cost index funds) and $100k emergency fund in HYSA. Moderate to high risk tolerance in general. Question - is it silly to keep the $350k in MM just to have peace of mind that I can pay off the house just in case I lose my job? No immediate issues with job, but tech sector is very volatile right now, so planning ahead.
I'm more curious what your brokerage is doing with your cash if it's not earning interest. Are they sticking it in some kind of escrow position? I've been trading the wheel in a Fidelity account for quite a while and the funds just shuttle between owning shares in the underlying stock, with CCs hanging out, and having the cash sitting in FDRXX earning interest with CSPs hanging out. The cash isn't usable as it's earmarked for the case where the puts get assigned to me, but it is nonetheless earning interest until the day it's assigned. About a quarter of my gains come from earned interest.
Waiting for now. Just collecting my 4% on FDRXX, with a little bit of option trading.
Apart from whether or not “staying out of the chaos“ is the best move, which we will only know in hindsight, I would ask whether or not this is a taxable account or a tax deferred/tax free account. If this is a taxable account and you live in a state with an income tax, you may be better off with FDLXX instead of FDRXX.
If we’re not shitposting here, why not consider a money market account like FDRXX or equivalent? Bond yields are going to continue to decline because the US government is, like, the entire problem here.
nice okay! TY I'm on fidelity and when i go to change my core position it only gives me 2 other options tho, FDIC and FDRXX. any way around that ?
FDRXX, VMFXX, and VUSXX to name a few.
Oh, I locked my shit into FDRXX (i'm team fidelity not team vanguard) three weeks ago -- i probably won't reenter the market until the SPX gets under 5000, which it definitely will, or hopefully even 4000. You and everyone else's sister are gonna try and jump off the sinking ship tomorrow, and because you're locked into silly ETFs you're at the mercy of tomorrow's hysteria, because even if you sold your entire position at this second, you won't get your sell prices until tomorrow's closing bell. I hope those percentages are "of the amount you have invested," and you have a decent chunk left in cash that you can DCA at the nadir. Luckily for you, you are young, "time in the market beats tim*ing* the market," and you have as much time as the rest of the world does before the entire economic order shits the bed once the AMOC slows down in the mid-fifties. You'll recover from this.
I bought a 3-month treasury bill at 4.3%. I'm getting 4.04% from Fidelity's FDRXX money market fund and I've got a high yield savings account with Jenius Bank currently earning 4,51%.
It can have a negligibly higher yield. Right now, it's showing as 4.07% vs SPAXX at 4.03%. FDRXX is only available in some account types at Fidelity. For example, it is the core of my HSA, but my IRA and taxable brokerage are both SPAXX.
These are all money market funds. I’ve been tracking these for years and FDRXX usually has a slightly higher yield
Could you explain why? Does FDRXX perform better? Thank you.
Might rebalance my 401k to FDRXX to preserve earnings, but I will continue my normal 401k investments in VFFSX. Then I’ll rebalance back in the market once the administration runs out of disruptors and it becomes more stable.
I use Fidelity to manage my Roth IRA and I can change how cash is held in the core position. There are 3 options: FDIC-insured Deposit account (apy 2.21%), FDRXX - Fidelity Government Cash Reserves (apy 4.08%), and SPAXX - Fidelity Government Money Market Fund (apy 4.03%). Rates are subject to change on all theee position types. Other account providers may offer similar options. If it were me I'd move the money in and use one of the money market accounts as interest earned will be slightly higher than your 3.75% as well as being tax free.
It’s not much of a delay either, typically two business days more than an online HYSA. It’s Friday night here, and that’s basically the worst case. If I put in a sell order now it would process Monday night and may require Tuesday to settle. By Wednesday morning I can initiate an EFT or use my debit card. Then again the core position in a Fidelity brokerage account is your choice of SPAXX or FDRXX. That doesn’t require time to sell and settle, so for the slight cost of some state taxes your money’s immediately available.
I don't have much of an understanding for taxes on IRAs other than reporting contributions and paying taxes on UBTI over $1000, but I have never made any contributions to this recently and looking at statements online, it hasn't gained $1,000 even in 5 years, it used to be a 401k. I reported whatever those contributions were on my taxes when I was working for this company in 2020 I recall the W2. For whatever reason, I guess I forgot this existed and it rolled over into this account and has been doing nothing ever since. . The account says "FIDELITY ROLLOVER IRA". All the funds are in FDRXX currently, looking at the account history, it's gaining like $40 per quarter. Now that I know this exists, I guess if there is anything owed from the last few years, I can catch up and pay it but the IRS hasn't called or sent me anything and considering the small amount, I can't imagine there would be much. I know that once I invest this, that I will get something from Fidelity at the end of the year regarding contributions and gains.
There is a Fidelity subreddit, moderated by employees of Fido. Ask your question there. I think you can go into your account under buying a mutual fund and find either SPAXX or FDRXX available.
Imo the most practical way to reduce tax burden is contributing to a self-directed HSA at fidelity. Triple tax advantaged, no fees, you can invest in stock or options, and idle cash earns 4.3% (FDRXX fund) Look up HSA videos with Mark Kohler.
In a money market is probably the best as far as liquidity and yield. Fidelity’s FDRXX and Schwab’s SWVXX are both yielding at or just under 5%. I’m American so, unsure if these MM funds are available to you overseas but I would imagine so. Hope this helps.
The Rollover IRA is not the problem. The FDRXX inside the Rollover IRA is the problem. Change from that money market fund to a diversified stock fund, or a good low cost target date fund.
Do you plan to add to it? Also, you should look into other Fidelity funds like Contrafund and Magellan that just FDRXX.
Here's a Reddit-style comment response without uncertain language: Definitely convert that Rollover IRA into something more productive. FDRXX is just a money market fund, basically cash. At your wife's age (assuming she's not close to retirement), you want that money working harder for you. Converting to a Roth IRA could be a good move if you're in a lower tax bracket now than you expect to be in retirement. You'll pay taxes on the conversion, but future growth will be tax-free. If you decide to keep it as a traditional IRA, that's fine too. Either way, investing in FXAIX (Fidelity's S&P 500 index fund) is a solid choice for long-term growth. It's low-cost and well-diversified. Don't let that money sit idle in cash. Get it invested and let compound interest do its thing over the next few decades. Your future selves will thank you.
Look into USFR or TFLO for your housing fund. I use Fidelity CMA. My strategy is to keep my checking in SPAXX and my emergency fund in FDRXX. I’ll use USFR for any short/mid term cash savings. Don’t see much of a point in HYSAs they earn less and are less tax advantaged than the strategy I just listed out. On top of that they are usually less liquid and flexible outside of accounts like Wealthfront that double as a checking acct.
Standard Fidelity self directed brokerage account is the way to go, NOT the managed accounts. Managed accounts are a different product. My core default fund in Fidelity self directed brokerage that univested cash sits in is SPAXX which has a current yield of 4.60APY. They just lowered the rate from 5.10APY when the fed reduced the rates. Fidelity self directed HSA account has FDRXX as the core position which pays 4.63APY. I sell cash secured puts in these accounts and they still pay the yield on top of the put premium.
Depending on your risk tolerance and health, I would recommend keeping your annual deductible as cash and investing the rest in a broad market index fund. If you want to add 1 more layer of safety, keep an additional year of deductible in CDs. I have Fidelity. My deductible is $2000. My breakdown: $2000 is cash (FDRXX) $2000 is 1 year CDs in case rates drop Remainder is in FDEWX. If I decide to add my family, I’ll just double the cash holding.
I interpreted your question differently than most. I opened a Fidelity TOD account. It is an after tax account. When I get too much in checking, I transfer money into the TOD and invest it. I try to be as tax efficient as possible in my choices. If I just want to get a tad higher yield than a bank, I leave it in SPAXX/FDRXX. Fidelity makes it very easy to transfer money between accounts including my credit Union checking account.
Looks like the cash in my Fidelity goes into FDRXX which is also 5.00% 7 day yield
Fidelity: FDRXX Schwab: SWVXX Anywhere: SGOV. If you want to take a little more risk for a little more return on cash, then PULS
Hi All!! I graduated from college last year, am now making about 50k (in a fellowship position, so no 401k available yet) and want to think about investing for the future. I have a slew of random conservative ETFs and such I dump into now and then (VOO, VTI, QQQM, SPY, etc) and money in cash funds if that's what they even are (SPRXX, FDRXX, FXAIX, etc) and a few random stocks here and there (google, apple, Microsoft), but truly I have no idea what I am doing. I wanted to ask about any advice you wish you had at 22 when it came to managing your money. Is a high yield savings account needed? how do I make one, where, how much do I put in? Should I open a Roth IRA? How do I learn what the hell that really is and what I need to do to have one? Where should I be learning this kind of stuff? I'm currently saving over $1000 a month but its just sitting in a checking account... so please lmk what I should be doing that's a little bit more risky than this because I know I'm young, but also not too crazy like trading stocks, which I am simply not cut out for.
Hi All!! I graduated from college last year, am now making about 50k (in a fellowship position, so no 401k available yet) and want to think about investing for the future. I have a slew of random conservative ETFs and such I dump into now and then (VOO, VTI, QQQM, SPY, etc) and money in cash funds if that's what they even are (SPRXX, FDRXX, FXAIX, etc) and a few random stocks here and there (google, apple, Microsoft), but truly I have no idea what I am doing. I wanted to ask about any advice you wish you had at 22 when it came to managing your money. Is a high yield savings account needed? how do I make one, where, how much do I put in? Should I open a Roth IRA? How do I learn what the hell that really is and what I need to do to have one? Where should I be learning this kind of stuff? I'm currently saving over $1000 a month but its just sitting in a checking account... so please lmk what I should be doing that's a little bit more risky than this because I know I'm young, but also not too crazy like trading stocks, which I am simply not cut out for.
Fidelity automatic cash sweep FDRXX yields 4.96% and distributed monthly Schwab yields a bit more, but you need to move the money manually and there is a 1 day delay when you sell the fund to get the cash back. Fidelity cash from FSRXX is available immediately.
Here's a brief comparison. **Schwab Value Advantage Money Fund® (SWVXX):** - **Advantages:** - No minimum investment, making it accessible for various investment amounts. - Competitive yield. - Managed by Charles Schwab, a well-regarded institution. - **Disadvantages:** - Expense ratio of 0.34% for investor shares and 0.19% for ultra shares. - Not FDIC insured. - Mainly available to Charles Schwab clients. - **Performance:** Annualized return of 5.03% for 1 year as of end-2023. - **Holdings:** Diverse, including repurchase agreements, CDs, and commercial paper **Vanguard Treasury Money Market Fund (VUSXX):** - **Advantages:** - Low expense ratio of 0.09%. - Focuses on U.S. Treasury obligations, offering tax efficiency. - Minimum investment of $3,000. - **Disadvantages:** - Less diversified, with a heavy focus on U.S. Treasury bills. - Lower yield compared to some other funds. - **Performance:** 1.50% total return in 2022, and a dividend yield of 2.98% in 2023 **Fidelity® Government Money Market Fund (SPAXX):** - **Advantages:** - Low-risk investment with good liquidity. - No minimum investment, suitable for all levels of investors. - Invests in high-quality, short-term debt securities, including government securities. - **Disadvantages:** - Expense ratio of 0.42%. - Not FDIC insured. - Slightly lower performance compared to similar funds. - **Performance:** Nearly identical performance and yield to Fidelity's FDRXX. When choosing a money market fund, consider factors such as the fund's expense ratio, minimum investment requirements, tax efficiency, and historical performance. Also, think about how these align with your financial goals and tax situation. Each of these funds has its unique strengths and potential drawbacks, so your choice should align with your personal investment strategy and needs.
Yep, if you feel that is the amount of money you are currently comfortable. The other good thing too about the IRA is that you don't have to immediately invest the money you contributed, at least on Fidelity. Uninvested money in the IRA will still earn interest (\~5% APY currently) because Fidelity will automatically swept that cash into a money market fund (either FDRXX or SPAXX), but you got to make sure you select that opinion.
Fidelity SPAXX 4.99% (7 day yield). [https://fundresearch.fidelity.com/mutual-funds/summary/31617H102](https://fundresearch.fidelity.com/mutual-funds/summary/31617H102) Fidelity FDRXX 5.0% (7 day yield) [https://fundresearch.fidelity.com/mutual-funds/summary/316067107](https://fundresearch.fidelity.com/mutual-funds/summary/316067107) I would expect those yields to start to drop over the next 6 months (but with higher for longer, you never know). I also like MINT 5.5% (short term corporate). More risk, but not a lot of risk. https://www.pimco.com/en-us/investments/etf/enhanced-short-maturity-active-exchange-traded-fund
Schwab Money market funds: [https://www.schwab.com/money-market-funds](https://www.schwab.com/money-market-funds) The Schwab default fund for cash is a bank fund (around 0.46%). Schwab no longer "auto sweeps" your cash into a higher paying money market -- you have to do it manually (that is described a the bottom). If you are with Schwab, SNVXX or SWVXX would seem to be good ways to go. If you are at another brokerage, they will have similar funds available. VMFXX at Vanguard, FDRXX at Fidelity, etc. Typically better to but the money market fund they sponsor in case they have trading fees on their competitor's funds.
FDRXX pays a little higher (5.02% vs 4.99% 7-day yield) and has a lower gross expense ratio (0.34% vs 0.42%)
I am converting my entire fidelity 401k from S&P into FDRXX.
A little unrelated, but any thoughts on SPAXX vs. FDRXX? They both have comparable yields, but FDRXX has lower exp ratio (0.34%) compared to SPAXX (0.44%).
Since your accounts are already with Fidelity, much easier than T-bills is to just plop the money in SPAXX, FDRXX, or FZFXX. These 3 funds have about a 5% yield hands free (no need to roll T-bills).
I feel like a pussy reading how Tech based most of the ports here are compared to mine. ​ DGRW - 6.7% - Large Cap Growth + Dividens FDRXX - 35.33% - money Market FENY - 4.98% - Energy QQQ - 18.49% - RSPD - 3.16% - Leisure and Travel XLI - 13.57% -Industrials XLV - 12.32% - Healthcare XMHQ - 5.44% - Mid Caps
Money market funds don't have profits; they distribute yield which is taxed as ordinary income along with your wages. So it's your own federal marginal tax rate and state tax situation that determines how much you'll owe. As such, everyone's situation is different with regard to finding a MMF that delivers higher net (post-tax) income despite having a lower gross yield percentage than some other funds. MMF invested in municipal bonds would potentially be totally tax-exempt. MMF invested in 100% treasury bills/bonds would be state tax-exempt. The specific MMF available to you are usually determined by your broker. At Fidelity for example, there are numerous - SPAXX, SPRXX, FDLXX, FDRXX, FZDXX, etc. Do some research on your broker's site and find out your choices.
The investment options are selected by the plan sponsor and employer so the lineup will differ from user to user. My plan offers a money market (cash) option via the Fidelity Government Cash Reserve (FDRXX). You will need to manually adjust each Source Type for the contributions (i.e Traditional 401k, Roth 401k, employer contribution, after-tax, etc.)
Hi all, can someone explain to me what reason someone would have funds tied up in money market fund like FDRXX or SPAXX when some savings accounts offer 5%? Is it simply because funds are more liquid in FDRXX/SPAXX while moving funds around from a HYSA takes some time?
What’s the expense ratio of FDRXX?
You are correct. FDRXX is a money-market fund and is not FDIC insured. However MMFs are in general extremely stable because their whole goal is to be a cash equivalent. I keep a significant portion of my emergency fund in one. If you want something safer, you can buy brokered CDs through Fidelity (assuming you’re allowed to) which are FDIC insured.
Assuming Fidelity will let you open the account, it's fine. Yes FDRXX is technically "more risky" than a bank account, but not by an appreciable amount. Look up the FDRXX Prospectus and read it, they will explain the different known risks for the fund, and you can then decide for yourself.
SPY is an equity index fund in ETF form. They mean a money market fund like FDRXX that you hold in the HSA.
What do you mean by black box? I just looked and the specific stocks seem to be AEPFX, FDRXX, FINFX, JGASX, and JISGX. I started probably 3 years ago and have put a total of about 20K in for a 25% return
I have been doing this on FDRXX as leveraged margin on CBOE's cash settled SPX options. It was better earlier this year since vol is crushed.
No, some of it is in short term TBills, the vast majority is in Federal Reserve Repurchase agreements which are overnight loans to the Federal Reserve. Few understand this, so I am not trying to be a jerk. FDRXX is technically even safer. Money held at the Fed Repo facility is only illiquid until 3PM the next day. It's safer than FDIC which is under the auspices of Congress and the Treasury. The Fed Repo facility is the actual Fed. The bank to end all banks.
Fidelity's money market fund SPAXX has an expense ratio of 0.42% (gross/net) and their FDRXX government cash reserves fund has an expense ratio of 0.27 (net) From what I understand, SPAXX is available to non-retirement accounts, and FDRXX is available to retirement accounts. SPAXX shows a yield of 4.74% and FDRXX is 4.76% You could also open a high yield savings with an online bank like CIT and get up to 4.85%
The Fed is an Octopus with 6 tentacles: JPM, WF, C, BOA, GS, and MS. GS and MS are unique as they are investment banks. The other 4 are more extensions of the Fed into the general populace. As such, they can't get too big. They are the Fed. Just like how government money markets are getting interest directly from the Fed for their repurchase agreements. Look at FDRXX's holdings for example. 60% of the fund is government repurchase agreements. It's all printed interest off deficit spending. Shit's broken AF.
I agree. Except you can run a company from, for example, a Fidelity account with the money market allocation in FDRXX.
They break a buck if the underlying NAV's drop in value before maturity and there is a bank run. The overnight repo market is the Fed. How would that break a buck? FDRXX isn't exotic. So my question stands, why use a bank? FDIC is safer than the Fed?
FDRXX is held almost entirely at the Fed at Fidelity. It's safer than any bank. You don't need FDIC insurance. It's all treasuries and the Reverse Repo facility. The SIPC insurance will cover any theft up to $500K. Which is what FDIC insurance is really for, not bank failures. If FDRXX depegs from a $1.00 that means that the Fed and Treasury have failed. There is literally no reason to use a bank as long as FDRXX can be used as a cash Management account and offers checking and bill pay. The only reason to use a bank at all at this point is for loans. FDRXX is over 4.5% interest. Bank deposits are liabilities on their balance sheets. So you deposit money with them and they treat that as a negative. MMF's, aka "shadow banks" simply buy debt with deposits, and pocket some of the interest. Some have higher yields because they buy corporate debt, which is riskier. Which sounds safer? Having your money loaded into custodial treasuries and parked at the NY Fed Repo facility or loaned to VC? It wasn't always this way though. There used to be a pretty big delineation between savings banks and investment banks. Now we basically have a few companies that offer actual safety with how your money is "vaulted."
SPAXX and FDRXX are great money market options that hold short duration swaps and treasuries. Especially now that short term rates are higher than long term yields. Whats even better is the you get all the exposure without having to commit to duration. You can cash out whenever
Was pretty confusing talking to multiple service reps at Fidelity institutional this morning. It seems that their higher yielding sweeps like FDRXX do not have FDIC protection. They do feature a lower yielding (1.89%) Bank Deposit Sweep Program that does offer FDIC coverage, up to $2.5M by dividing $250k into different FDIC insured banks.
A) You don't need an advisor. B) With that much in bonds I would not consider this aggressive. Using Fidelity funds I would do more like 65% FXAIX (Or better yet FSKAX), 20% FSPSX, 15% FXNAX. Maybe even 65/25/10. If I wanted a want a small cap tilt I would do a little FCPVX rather than FSSNX. I don't see the point in holding FDRXX at all. Go read the wikis at r/Bogleheads. You can learn to do as well or or better in a day.
I too would like to know this as I was thinking the same thing (I have a HYSA with etrade at 3.5%). I recently changed my core position and was given the option of either SPAXX or FDRXX and chose the latter. SPAXX: 4.31% compound effective yield with .42% net expense ratio = 3.89% FDRXX: 4.3% compound effective yield with .27% net expense ratio = 4.03% I am but a humble noob so if i'm incorrect or this is not the right way to analyze this type of thing, someone more experience please say so.
OK, I'm pissed at Fidelity rn. I request paper 1099's (my push system, rather than pull so I shouldn't have to go looking for forms). And what they snail mailed me is different than what's online! The paper doc doesn't have the supplemental info! Grr! But I suppose it doesn't really matter since there's nothing in the Detail that's more prescriptive than the Summary with regards to SGOV and being able to separate out a percentage of income from the government. Maybe they don't do it because SGOV isn't theirs? Which is annoying even moreso as they delayed releasing the 1099 into February because they were waiting for SGOV info. I think I found the [Tax Percentages for Fidelity MF's.](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/taxes/GSE-Supplemental-Letter.pdf) And although FDRXX's percentage is 29%, that seems not high enough for California to recognize and exempt (screw you CA!). IDK if maybe that's why it's not broken out on my 1099 (because my address is CA; so would you have a number broken out if you lived in Oregon??)
I think they have a few. FDRXX and SPAXX are two.
FCASH gives an almost 0% return. You can change that core position to SPAXX or FDRXX and earn a 4% yield.
The equivalent fund to VMFXX at Fidelity include - SPAXX, FDRXX, FDLXX, FZFXX - these are the zero minimum funds. If you have more capital, there are a bunch of other government money market funds. If you prefer a prime fund, there are another half dozen options. And if you prefer muni money market fund, there are another dozen options. It depends on the type of money market fund and the minimum investment.
And FDRXX. three different funds are the default for the Roth IRA (SPAXX), Traditional IRA (FDRXX), brokerage (FZFXX) just to be confusing
FDRXX, SPRXX, just a few off the top of my head from Fidelity
If you already have a Fidelity account, that makes it quite easy. You may have seen the comment from u/deepfield67. If all you did was to transfer your cash into the Fidelity account - it sits in what is called a Core position. This is a Fidelity term for an automatic money market sweep feature. All you have to do is to select that you want to use either SPAXX or FDRXX. And you will receive the money market yield in your Fidelity account. Fidelity has very good customer service so you can always just call them and they can walk you through how to setup the money market sweep. Sorry about your investing loss - publicly traded biotech companies which are clinical stage are considered speculative. A biotech startup is considered risky and new investors are usually advised not to invest in them. A biotech IPO is a means to raise capital - it doesn't necessarily mean it's a scam. But they are risky and can be volatile.
I know the core position in my Fidelity account, I think SPAXX or FDRXX, has a 7 day yield of like 3.4% right now. I try to save a little cash each week besides what I DCA into index funds and these money market accounts are way better than any savings account my bank offers. Hard to beat for anyone with a low risk tolerance and a big cash savings who just wants a good, liquid spot to park their savings.
FDRXX or other money market funds. Impossible to lose money and currently paying over 3%
I just checked my core cash position yesterday at Fidelity. FDRXX and SPAXX are paying 3.32%.
The absolute easiest ELI5 way to take advantage of this is to open a brokerage account with a brokerage like fidelity that offers money markets as your base position (FDRXX or SPAXX). The holdings are pretty much all in short term treasuries. The coupon payment is deposited in your account each month and you don’t have to actually commit to locking up your money. You can withdraw whenever. I think it’s the easiest way to gain exposure to short term US treasuries while maintaining flexibility
SPAXX and FDRXX are my respective core positions which popped up to ~3.25% after the last rate hike.
Check out $FDRXX. I have it in my Fidelty HSA but I think you would be able to invest it in your Roth.
Depending on how much money you gonna put in, check out Fidelity FMPXX giving 3.17%, FZDXX giving 3.05%, and FDRXX giving 2.66%. Good luck.
Cash gang! Yes!!! we should be talking or where to park cash SPAXX or FDRXX at least those are my options.
I felt dumb, which I am, until I was just informed that 100% of the wife's 401k was put into FDRXX by her employer. She can make $418 with a 10k investment in ten years boys.
>I just switched my core account to FZROX which is what I have been investing in Also FZROX cannot be your core account. You can set up automatic investing to FZROX, but your transfer will still deposit to the core account and then automatically transfer to FZROX. You have 2-3 options for your Core account depending on what type of account you have (SPAXX, FDRXX, or FCASH)
FDRXX! Nah that ain’t for me. More leverage baby!
Nah. Looks like your FDRXX** could use some red also…
I keep my cash in FDRXX - I’m a little concerned.
naw, $FDRXX has been dragging down your performance. buy some $CLOV to lose more money