We are only talking a few bucks a day here which can be considered 'noise' for many of you but I'm just trying to figure this out. When you buy a Broker CD at Schwab the first settlement date might be a week or two in the future. I have my money sitting comfortably in SWVXX earning 4.2%. What is the correct timing of selling out SWVXX in order to fund my broker CD? I've read that SWVXX can settle in one day. Am I going to lose a week or two of interest while I wait for the CD to reach settlement date? Or is there some trick where I can pay up just before the settlement date?