Sounds like you should use a better brokerage. Vanguard defaults to putting all my money in Vanguard Federal Money Market Fund (Settlement fund) with a current

Sounds like you should use a better brokerage. Vanguard defaults to putting all my money in Vanguard Federal Money Market Fund (Settlement fund) with a current 7-day SEC yield of 3.8%. They do charge me a 0.11% fee though.