<prompt> Human: In the article which I cant link since its behind a paywall, it claims a sharpe ratio of .95 when moving cash equivalents to a short term bond fund. Furthermore rate of return goes from 1 to 3. Im curious about this strategy and potential pitfalls.  <response>: No short term bond fund pays 3. SWSBX, an ultra low-cost high-quality short bond index, pays 1.61.Considering that online savings accounts pay 1.05, I dont think the risk of principal loss is worth it. But if I had a LOT of cash I might consider it. 