I realize that people out there...have IRA's and MM Funds...
I also know that some people with IRA's have had half their investment vanish.
I've not had an IRA in over 40 years. There are better ways to make your money work.
My wife and I have each had a 401k/IRA for many years. Our money has moved up and down with the markets, but our losses have always been temporary. If people have lost half their money in their IRA's, I agree, they should put it somewhere else.
Sure, I mean EVERYBODY can afford silver and gold, right?
4.68% is a great return if the money market fund is in nothing but short term treasury notes ... about as safe as it gets ... not sexy ... but safe ...