昨天問過這個，再問下，Vanguard說 FDIC insured 2.5 million，可靠嗎？link insid

利率是4.7%

https://riabiz.com/a/2024/1/10/after-many-beta-tests-vanguard-finally-launches-bank-cash-product-for-non-vanguard-investors-a-u-turn-but-also-likely-thorn-in-the-side-of-schwab-fidelity