Money Markets Pay 4.5%. If You’re Getting Less on a Sweep Account, It’s Time for ‘Cash Sorting.’

“Schwab cash solutions fall under two categories,” says the company’s website. They sure do. Here are some questions that can help determine which is right for you: Do you like money? Do you prefer good things to things that are dissatisfying?

If you had to choose between, say, apple pie and being splashed head-to-toe by a roadside slush puddle, are you the kind of person who’d take the pie?