[DesertCat]

All brokers should offer sweep accounts, anyone reading this thread should check their accounts to make sure they are benefiting.

Sweep accounts is that you can use the money to directly buy stocks with no hassles. But if you are willing to deal with a little hassle to earn higher rates, you can usually find Vanguard money market funds or bond funds that will pay higher interest and buy them directly in your brokerage account.

It's only a day or two to cash in those funds if you find a stock you want. There isn't any risk to the money market funds, but with the bond funds you take the risk of flunctuations in value. The shorter the duration, the less flunctuations you will have (but usually less interest). It's almost always a trade off between zero risk money markets, and more interest from bond funds.

Or you can just transfer funds in between your brokerage account and emigrant.