best account for interest on cash?

[kroxobor]

To earn interest you should need to make your cash loanable (or allow repo for securities). You either have access and trade or loan them to earn interest.

 

[murray t turtle]

I prefer Fidelity's US Treasury's Money Market. For the bigger bucks why not be totally safe and not have to be concerned about having to become a "bank creditor". Still get 4% the last time I checked my yield.

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Most likely fine with Fidelity;
some may not want to loan a goofy gov with senile risk \stupidity risk \money.
Not that it's totally safe, but that's a good sales line+ i really cant argue much with it ,in an election year, which mostly starts in 2024.
I made sure to loan the Us IRS a bit more than i had to; if we dont pay all of the estimated federal tax due, promptly\ they fine heavyLOL
Inflation risk\ opportunity risk is a small fixed income concern, big bucks or any bucks; but not much for most stock/ETFs trends or private sector business .