Recently I found out that my brokerage account offers a money market fund, SWVXX, that yields 2.3%. That is even higher than the 2.1% rate offered by Discover Online Savings. Both of these rates are much better than the rate on the sweep account attached to my brokerage account. That account yields about 0.1%. Unlike investments in short term bond funds, there is no risk to the principal if the Federal Reserve continues to increase rates in 2019. This money market rate is even higher than the Consumer Price Index(1.6%). A positive real interest rate on a money market fund is rare. This is such a rare occurrence you have to wonder what is the Federal Reserve thinking! Regardless, this money market fund looks like the perfect way to put your money to work while you wait for the next stock market pullback. Low-interest rates courtesy of the Federal Reserve was a massive gift to investors in the stock market over the last ten years. During this time there was no viable alternative to the United States stock market. We even had a name for it, There Is No Alternative (TINA). Are higher returns on money market funds the answer to the TINA question? The Federal Reserve giveth and the Federal Reserve taketh away.