<prompt> Human: I have my Roth IRA in a Vanguard account. In my most recent statement, it said that the estimated yield for the year would be 1.07. Ive seen posts here about online banks that offer 2.5 savings account or more. I know the whole deal about stocks is that youre supposed to hold them for the long term, but it just seems that I could be making more than twice as much if I were to temporarily change to a savings account somehow, and it seems like it would be safer than keeping it floating in stocks.Is that  <response>: Your money is likely just sitting in the Money Market account and not actually invested in funds stocks or bonds of any sort 