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Also, they can also function as an alternative to an immediate annuity which returns your principal plus interest over time. As a matter of policy, BBB does not endorse any product, service or business. Featured Projects Because of the way rewards checking accounts are structured, this type of account isn’t suitable for a nest egg that you just want to sit untouched, collecting interest, until you need it. You have to keep the account active, and you can’t let the balance creep over the maximum. However, this type of account can be a good choice for your personal savings, as long as you can resist the urge to spend down the balance. SAVINGS Money Market Account So You Want to Learn About Investing? Ali December 11, 2017 at 12:04 pm - Reply Register to access our archive of leading investment information and data FDIC coverage. If your brokerage fails you will be able to file a claim with SIPC coverage, but it won’t cover investment losses — just losses from the failure of your broker. 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