Vanguard Bank Sweep vs MMF? If you opt in for the vanguard bank sweep, is that similar to just putting money in a savings account earning about 4.6% interest? With the bank sweep, there is no way you can lose money (have a negative yeild) right? worst case scenario the interest rate goes down, right? Also, in the event the banks fail, you are insured for up to 1.25 miliion…