The problem I am having is this... I have not allocated any of my assets in my Vanguard IRA yet. They sit in Vanguards MMA account (VMMXX, their one and only I believe. According to Morning star it has a yield of .04%. What I fail to understand is, shouldn't money market accounts return better than checking or savings accounts always? Is the yield really .04? If so I feel that is very strange, it's almost like they are punishing me for not choosing one of their products, which I suppose makes sense from a (greedy) business process.
Either way there is a problem here. The the issue with closing the question is, is it too localized. That doesn't appear to be the case, as VMMXX isn't a local issue. Given the number of users who use Vanguard here, that would be like saying the Java NIO package is too localized for Stackoverflow. Or questions asking about a specific version of the NIO package are too localized since a duration of "time" (ie: months) (or a version) is too localized to help many other people. Of course, gold bullion speculation isn't too localized, as that has nothing to do with timing.