u/No_South_9912

Trying to figure out why people are chasing fractions of a percent in one HYSA vs another instead of simply investing the money. Opening a brokerage account is no more difficult than a HYSA, many come with zero fees/minimums.

Once you open a brokerage you have thousands of investments to choose from. I compared the growth of 10k for a few "fixed income" investments, all returning over 3.5% in the past year. Attached are screenshots showing 1yr and 5yr returns/volatility for each. As with most investments, better returns are paid with higher volatility.