Is it a good idea to keep money in Vanguard’s settlement fund?

Is it a good idea to keep money in Vanguard’s settlement fund? i’m new to investing and the financial field in general. i turned 19 not long ago and decided to start putting money into a roth ira account on vanguard investing in VTI + VXUS for long term gains. additionally, i want to save my money at a high rate, i looked into different HYSA but maybe vanguard’s 5.29 yield would be better? is this a good id...

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