Vusxx vs vmfxx.

One of the main differences between the Vanguard MMAs is the minimum investment required. The Federal Money Market Fund has a minimum investment of $3,000, while the Tax-Exempt Money Market Fund ...I'm wondering if I even want to bother with VUSXX vs VMFXX. I'm in the 22% tax bracket. Top. retired@50 Posts: 13119 Joined: Tue Oct 01, 2019 7:36 pm Location: Living in the U.S.A. Re: Is it ok to park some Emergency Fund in Vanguard VMFXX? Post by retired@50 » Tue Mar 21, 2023 7:31 pm.Mar 16, 2023 · Vanguard puts out a bulletin in January with the percentages of tax-exempt state and local taxes assets. Last year VUSXX was 100% and I think VMFXX had some percent exempt. Right now, VUSXX has about 25% repos that are not exempt so I doubt it will be 100% exempt like last year. Either VUSXX or VMFXX will likely have a higher rate than a Fidelity or a Schwab money market fund. Regards, Agree with retired@50. Use Vanguard. In a minor …In comparison with Fidelity popular SPRXX , prime money market fund, that a lot of people like using right now due to high yield due holding mostly corp bonds and almost no tbills. SGOV was slightly ahead at 1.96 vs 1.83. SPRXX is slightly ahead on ytd .31 vs .29 but behind on 1 year 1.88 vs 1.81. The comparison vs vmfxx is probably the closest ...

May 4, 2022 · Re: vmfxx vs vusxx Post by dagsboro » Mon Oct 10, 2022 3:10 pm Correct me but I believe that if there is a really serious financial problem in the U.S. VUSXX would be more certain to be paid out first than would VMFXX. Re: VUSXX vs VMFXX questions. by Artsdoctor » Mon Mar 27, 2023 4:30 pm. The higher your state's income tax is, the more beneficial VUSXX becomes. If your state has no income tax, VUSXX is unlikely to offer a superior after-tax yield for you. Recently, VUSXX's yield has been higher than the yield of VMFXX although this is not always the case.For the sake of simplicity, it makes sense to have one MM fund. State taxes are not an issue since these funds are in a traditional IRA. The VMFXX settlement fund is fine for one of your IRA investments. VUSXX and VMFXX are both classified as Government Money Market funds and are very safe. The 7 day SEC yields of the two …

VUSXX. Benchmark. Number of holdings: 23 — Average maturity: 28.0 days — Weighted average life: 33.0 days — Fund total net assets as of 04/30/2024: $73.7 B — Risks associated with conservative funds . Vanguard funds are classified as conservative if their share prices are expected to remain stable or to fluctuate only slightly. Keep in ...I was actually re-calculating and based on the idea that VMFXX likely has something like ~25% of its income taxable by state, it still comes out ahead vs. VUSXX (8% Marginal State Tax Rate * 25% Taxable by State * 4.21% VMFXX Yield = ~0.08% drag from state taxes vs. 23bp spread between 3.98% VUSXX & 4.21% VMFXX right now).

VUSXX | A complete Vanguard Treasury Money Market Fund;Investor mutual fund overview by MarketWatch. View mutual fund news, mutual fund market and mutual …Vanguard's money market funds have some of the best rates currently & that's what we'll be talking about in today's video: 1. What’s Vanguard’s core money ma...We list the clothing websites with same-day, next-day/overnight, and two-day shipping -- whether you need a new outfit for an event or simply don't want to wait! Many clothing stor...Jul 25, 2018 · I’ll just assume that you are not in the NIIT tax range or subject to NYC city taxes for an effective rate of 30.25%. Let’s take a hypothetical $100,000 for VMFXX, VMRXX, VUSXX and VYFXX and compound the gross dividend interest for year 2022: VMFXX $1,552.35. VMRXX $1,561.06. VUSXX $1,504.64. VYFXX $1,022.42. Feb 26, 2007 · Re: VMFXX vs. VUSXX. by arf30 » Sun Jul 03, 2022 11:17 pm. VMFXX holds shorter duration bonds, so its interest rate has increased faster than VUSXX. When rates hold steady the two funds tend to be very similar, with VUSXX having an edge in state taxes depending where you live and your tax bracket due to it being 100% treasuries. Topic Author.

By the way, I think that VMFXX has become much more familiar to Vanguard clients than it used to be back in 2007 when this article was originally written. Because of the money market fund reforms put into place during the aftermath of the 2008 financial crisis, VMFXX is now the default (and indeed the only) settlement fund for Vanguard ...

VUSXX vs VMFXX right now? by powercherry5 » Thu Jun 23, 2022 8:37 pm. I have a substantial amount of money in VUSXX while I am DCA'ing my portfolio into a 3 fund portfolio. I just noticed that the regular federal money market fund (VMFXX) is giving a good bit higher yield than VUSXX. I know VUSXX is shielded from state taxes, but …

The more relevant number is the 7-day average SEC yield. Scroll down to the Price section on Vanguard’s website to see it. It’s 2.90% for VMFXX and 3.12% for VUSXX. The interest from VUSXX is also exempt from state and local taxes. When interest rates are rising, the yield you get today may be higher than the average in the previous 7 days.The current 7-Day SEC yield of VMFXX is 4.3% as opposed to the annual dividend yield for SCHD of 3.38%. Also to note, SCHD’s price dropped 6.24% last year. With the weakening market, rising interest rates, and uncertainty of 2023, it seems to me that the very safe VMFXX is looking better and better, at least in the short term, until rates ...No, SPAXX holds mostly repos, which are not tax free in some states, and not quite as safe as a tsy-only fund. Safe enough, but more comparable to VMFXX (not VUSXX). See FZFXX for a comparable fund like VUSXX. Also the 2 equivalent Fidelity funds have higher expense ratios, hence will generally have lower yields compared to …Re: VMFXX vs VUSXX. by Doctor Rhythm » Thu Feb 22, 2024 5:49 pm. If you pay state income tax, a portion of VUSXX dividends will likely be exempt from it. Depending on your state’s laws, that may not be true for VMFXX - and the exempted amount will likely be lower. For 2023, around 80% of my dividend from VUSXX will be exempt from my state ...When you’re ordering food online, it’s all too easy to just add a couple of dollars online as a tip—after all, it beats fumbling around your wallet for spare dollars. When you’re o...VALLEY FORGE, PA (April 16, 2020)—Vanguard today closed its $39.5 billion Treasury Money Market Fund (VUSXX) to new shareholder accounts. The company is seeking to protect existing Fund shareholders from high levels of cash flow that could potentially accelerate reductions to the Fund’s yield. Existing shareholders of the Fund can continue ...

If I’m reading the recently published chart correctly, VMFXX (federal money market fund) was only 38% State tax exempt. In CA, NY and CT it was 0% tax exempt. Compare this to 2021 when it was 73% tax exempt. This makes VUSXX (currently at 4.25%/Tax equiv. 4.7% for me) a much better deal for those in higher taxed states. Consider moving your cash. 4.85% money market fund vs 4.45% in a high-yield savings account - what's better and/ or safer? Which money market fund might be best for you at Fidelity, Sc...If I’m reading the recently published chart correctly, VMFXX (federal money market fund) was only 38% State tax exempt. In CA, NY and CT it was 0% tax exempt. Compare this to 2021 when it was 73% tax exempt. This makes VUSXX (currently at 4.25%/Tax equiv. 4.7% for me) a much better deal for those in higher taxed states. Consider moving your cash.After announcing a plan that would have allowed first time homebuyers to use a special tax credit to cover the 3.5% required down payment on… By clicking "TRY IT", I agree t...MONGSTRADAMUS. • • Edited. VUSXX is state tax exempt. Its very comeptitive also at 2.86 vs VMRXX 2.90 vs VMFXX 2.84. The other two options aren't totally state tax exempt just something to keep in mind. Reply.

Greetings. I have $253,000 in a vanguard money market account - Vanguard Federal Money Market Fund VMFXX. The 7day SEC yield as of 01/13/2023 4.26% C and has an expense ratio 0.11%. 1 year CDs at Vanguard are at a rate of %4.70 for 10 months. Would I be ahead buying CDs or leaving the money in the money market.I have a ton of cash sitting in VMFXX at 4.52% (and a CD) since rates are likely not finished going up.. VUSXX is good too especially if you are in a high income tax state. At this point, I lean toward more money market funds and HYSA vs a CD because of higher rates in the future and the liquidity component.

Or just stay with VUSXX ? by retired@50 » Wed Mar 29, 2023 2:47 pm. drwoods wrote: ↑ Wed Mar 29, 2023 2:37 pm As of today it looks like it is best to keep your money in the settlement fund, VMFXX at 4.72% minus the .11% fee (4.61%) vs the Cash Plus Account at 4.25%. You do give up the FDIC Insurance.The Fund seeks to provide current income consistent with the preservation of capital and liquidity. The Fund also seeks to maintain a stable net asset value of $1.00 per share. The Fund invests in ...VUSXX. Benchmark. Number of holdings: 23 — Average maturity: 28.0 days — Weighted average life: 33.0 days — Fund total net assets as of 04/30/2024: $73.7 B — Risks associated with conservative funds . Vanguard funds are classified as conservative if their share prices are expected to remain stable or to fluctuate only slightly. Keep in ...Compare two Vanguard money market funds with different yields, risks and tax implications. See answers from experts and users on how to choose, move or invest …I want to do an apples to apples comparison of their yields since 70% of VUSXX income is exempt from state tax, while 94% of FDLXX is exempt from state tax. Calculating with dollars might be easier. On Friday close, FDLXX's yield was 4.24%.The Insider Trading Activity of Numoto Takeshi on Markets Insider. Indices Commodities Currencies StocksIn comparison with Fidelity popular SPRXX , prime money market fund, that a lot of people like using right now due to high yield due holding mostly corp bonds and almost no tbills. SGOV was slightly ahead at 1.96 vs 1.83. SPRXX is slightly ahead on ytd .31 vs .29 but behind on 1 year 1.88 vs 1.81. The comparison vs vmfxx is probably the closest ...Fund literature. View prospectus and reports. Vanguard Treasury Money Market Fund (VUSXX) - Find objective, share price, performance, expense ratio, holding, and risk details.Compare. Management style. Active. Asset class. Money Market. Category. Taxable Money Market. Risk / reward scale. 1. Less. More. Expense ratio. 0.11% as of …

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Mar 19, 2024 · Otherwise, VUSXX functions similarly to VMFXX, with a NAV per share pegged at $1 and monthly income distributions. Currently, investors can expect the same 5.3% seven-day SEC yield offered by...

So, T-Bill rate would have to be 5% higher than VMFXX (24 minus 19) to make the T-Bills worthwhile. If VMFXX is paying 5% and a 3 month T-bill is paying 5.3%, then 5% of the 5.3% T-bill is .26%. which would bring the T-bill down to 5.04% as compared to the 5% VMFXX. So, that scenario seems to be a wash.Vanguard Federal Money Market Fund (VMFXX) is the settlement fund in a Vanguard brokerage account. You don’t have to do anything extra to buy or sell this fund. It requires no minimum investment. Any cash you transfer into your Vanguard brokerage account will automatically land in this fund.Vanguard Treasury Money Market Fund (VUSXX) Schwab Value Advantage Money Fund – Investor Shares (SWVXX) Schwab Treasury Obligations Money Fund – …Re: VMFXX vs. VUSXX. by arf30 » Sun Jul 03, 2022 11:17 pm. VMFXX holds shorter duration bonds, so its interest rate has increased faster than VUSXX. When rates hold steady the two funds tend to be very similar, with VUSXX having an edge in state taxes depending where you live and your tax bracket due to it being 100% treasuries. …VMFXX, because even though the interest earned isn't 100% state tax exempt, the current forward annual yield of 4.21% (as of 12/27/22) off sets the taxes I pay. I don't live in CA or NY either. VMFXX also has over 200 billion in total assets and has never broken the buck since inception 1981.VMFXX is mostly taxed at fed and state. VUSXX is mostly state tax exempt. This means they have different tax advantages unique to your tax rates. You need to compare the after tax yield. In many cases VUSXX will provide a higher after tax yield than VMFXX. Run the numbers for your specific situation.Compare. Management style. Active. Asset class. Money Market. Category. Taxable Money Market. Risk / reward scale. 1. Less. More. Expense ratio. 0.11% as of …Fund literature. View prospectus and reports. Vanguard Treasury Money Market Fund (VUSXX) - Find objective, share price, performance, expense ratio, holding, and risk details.VMFXX / VUSXX taxability for NJ. Currently doing my taxes for 2022 and held VFMXX. From other posts, I read that a portion of VMFXX is not state taxable if it came from US government debt obligations, and according to Vanguard, this is about 38%. The Vanguard doc notes that certain funds "meets the requirements for a New Jersey “qualified ...According to Vanguard,, VMFXX portfolio composition: Repo: ~59%, US Govt Obligations: ~39% , US T-Bills: ~2% ... Ultimately, there's basically no difference for high earners even between VMSXX (fed free) vs. VUSXX, so I just opted to keep it in VUSXX since I was already using it anyways.

Learn the key differences between VUSXX and VMFXX, two low-risk money market funds from Vanguard. Find out their investment objectives, risk levels, …MembersOnline. •. SnortingElk. ADMIN MOD. VUSXX Treasury Money Market now yielding 4.61%. VUSXX just bumped up to 4.61%.. One of the highest yields for a money market fund. Note, this is the previous 7-day average so with the recent Feds 0.25% rate hike the funds yield will be quite a bit higher.. likely in the 4.8%+ yield range.az2023 wrote: ↑ Wed Sep 06, 2023 1:35 am I live in CA. I think that. 1) SGOV has 99% in Treasury Bill, so 99% of the gain is exempt for CA tax. 2) As of 09/01/2023, VUSXX is 79.90% Treasury Bills (much better than the 63.1% as of 06/30/23), so only this portion is CA tax exempt.Instagram:https://instagram. china chef greeneville menudairy barn sulphur lacvs narrow lane rdibew 1253 Ignore the ER. All you need to pay attention to is the 7 day SEC yield, which has the ER factored in. From there, first you look at what's higher. That's usually VMFXX. But VUSXX is almost entirely state income tax deductible -- which means it effectively has a higher APY, the higher your tax bracket is. Calculate it by (VUSXX APY) / (1 - State ... michael brock murdaughboosie fae Apr 30, 2023 · Learn the differences and similarities between three Vanguard money market accounts: VMFXX, VMRXX, and VUSXX. Compare their investment objectives, strategies, returns, expenses, and suitability for investors. madisonville ky messenger obituaries VALLEY FORGE, PA (April 16, 2020)—Vanguard today closed its $39.5 billion Treasury Money Market Fund (VUSXX) to new shareholder accounts. The company is seeking to protect existing Fund shareholders from high levels of cash flow that could potentially accelerate reductions to the Fund’s yield. Existing shareholders of the Fund can continue ...Nov 6, 2022 · Compare two Vanguard money market funds with different yields, risks and tax implications. See answers from experts and users on how to choose, move or invest in VUSXX or VMFXX.