...短期投资管理工具，因为货币市场基金集腋成裘的规模效应使得其费用比商业银行自己建立短期投资基金(Short-term Investment Fund)低，从而使商业银行能获得更高的费用调整后的收益。而大规模的商业银行由于资金规模较大，通常建立其内部的短期投资基金。
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因此收益率在2%的两年期银行定存单或者通货膨胀保值型国债，以及收益率在2%以上的短期投资级债券基金都属于不错的选择。
So a two-year bank CD or a Treasury inflation-protected security yielding around 2%, and short-term investment-grade bond funds at 2% plus, aren't the end of the world.
Vanguard短期投资级基金(Vanguard Short - Term Investment - Grade Fund)不失为一个明智选择。该基金收益率2.8%，久期1.9。
A sensible choice: Vanguard Short-Term Investment-Grade Fund, which yields 2.8% and has a duration of 1.9.
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