40: Did You Pick the Wrong CMA? Fidelity vs. Schwab vs. Vanguard
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40: Did You Pick the Wrong CMA? Fidelity vs. Schwab vs. Vanguard
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Switching to a brokerage cash account was the right call. Picking the right one is the harder question — and the answer is different depending on how you actually use money.
This episode runs the Cash Home Score on Fidelity, Schwab, and Vanguard across yield, access, protection, and integration. Vanguard currently leads on yield at three point three five percent with the strongest FDIC coverage — and no debit card at all. Fidelity wins on features if you set SPAXX as your core position (most people never check this). Schwab wins if Zelle is non-negotiable.
Whether you're picking for the first time or reconsidering where you already are, this episode ends with a clear decision framework.
Chapters
00:00 Cash Management Accounts Compared
02:03 Yield: What Your Cash Actually Earns
06:33 How Your Cash Is Protected
10:00 The Debit Card Question
13:20 What It's Like to Live in These Accounts
16:59 The Cash Home Score
19:03 But Which Account is Right for You?
20:56 Final Recommendations and Homework
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