Here are the Year to Date (1/1/2025 to 3/10/2025) returns of some popular Vanguard index funds with VUSXX and a 4.50% (fixed rate) HYSA as comparisons:
VUSXX (Vanguard Treasury Money Market Fund): 0.81%
4.50% (fixed rate) HYSA: 0.85%
VFIAX (Vanguard 500 Index Fund Admiral Shares): -4.31%
VTABX (Vanguard Total International Bond Index Fund Admiral Shares): -0.73%
VBTLX (Vanguard Total Bond Market Index Fund Admiral Shares): 2.65%
VTIAX (Vanguard Total International Stock Index Fund Admiral Shares): 5.74%