Hi, Manlobbi,

In light of your earlier post, which I quoted below, do you think it's not worth my time to consider moving an account or two to Vanguard where the money market rate is .61% higher for essentially the same money market as Schwab? The difference between Vanguard's expenses (.09 on 4.55) compared to Schwab's (.26 expenses on 4.20).

"Getting an extra 2% on your cash/bonds part of your savings is not going to make any noticeable difference to you or anyone around you, but losing all of it would make a difference - so I would treat the cash mainly as preservation of capital, and then enjoy the value accumulation of your 55% of savings within Berkshire."

I'm thinking, for me, it might be a good low-cost, low-risk way to become more conscious of interest rates and compounding, as well as the mechanics of buying and selling things.

I kind of started in the deep-end during 2008, and benefitted from the terrific manic market. Last year, though, I got FOMO and started trading and made mistakes, not big ones, but, mainly, got out over my skis. I want to pull back and start from the beginning, again. I know it's a paltry amount, but I'm thinking it is the principle I need to practice. It's the only ball I can hit, right now. I also think being in slower company might be a good thing for me, if that makes sense.

Thanks.