10.78 is VFIIX's all-time high.

That's 0.09 or <0.84% away. Might be downhill from there.

It will be a record if VFIIX ever achieves 11.00. Expect negative news to bring the NAV lower. Still, decent income, if you don't have to touch the amount invested.

Your bank can't pay 4%+ interest like VFIIX.

Good luck to all!