The Vanguard index currently has an effective yield of 1.51, and the Schwab product that you mentioned is 1.37. So it's already higher. And it declares dividends more often. If the dividend pays more often, you want to take that one of the two because of the compounding effect of that dividend. But even without looking at APY, I looked at these two,. Even without looking atAPY, the VanguardIndex currently has aneffective yield of1.51; The Schwab product  is 1.37:00.

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