Vusxx vs vmfxx

VMRXX and VMFXX look like the same fund and since VMRXX's average 7-day SEC yield is slightly higher than VMFXX's yield (5.28% vs. 5.27%, as of 8/24), I don't know why one would put money into VMFXX. I live in Tennessee, which doesn't have a state income tax, so I assume that has no impact on which fund I choose.

Several Bogleheads advised me that the Vanguard Municipal Money market Fund (VMSXX) was an ideal place for cash due to the favorable tax treatment. I am in the 35% tax bracket. However, I see that the 7-day yield for VMSXX is 2.22% while VMFXX (Federal Money market fund) and VUSXX (treasury market fund) are yielding 5.28% and 5.30%, respectively.May 1, 2024 · VMFXX invests most of its capital in U.S. government securities. The fund prioritizes short-term government bonds, which makes income more sensitive to changes in interest rates. Vanguard VMFXX vs VMRXX? Investing Questions In mid 20’s and looking to invest about $50,000 in a Money Market fund. ... Depending on whether your state has an income tax, you may also want to consider VUSXX (Vanguard Treasury Money Market) which is mostly exempt from state and local taxes."Vanguard Federal Money Market Fund’s investment objective is to seek to provide current income while maintaining liquidity and a stable share price of $1. T...What is the real difference between the three Vanguard money market funds VMRXX, VMFXX, and VUSXX, particularly in terms of expected performance? They …

Vanguard 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 to make purchases with no limits.Compared to similar systems used in Australia, New Zealand, Canada, Hong Kong and South Korea, the UK version puts the most strenuous requirements on the job offer. Immigration in ...Mar 27, 2023 · 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. Vanguard Federal Money Market Fund seeks to provide current income while maintaining a stable $1 NAV and a very short average maturity. The fund invests at least 99.5% of its total assets in cash, government securities, and/or repurchase agreements that are collateralized solely by government securities or cash (collectively, government ...The system for categorizing diodes, one of the electronic components on circuit boards, follows the U.S. Joint Electron Devices Engineering Council (JEDEC) numbering scheme. There ...VMRXX takes a 5,000,000 minimum and my emergency fund falls just short of that figure. Um, yes, mine does too so VMMXX is what I ought to be comparing to the Federal MM, thanks! "Nothing is simpler than owning the stock market and holding it forever, and that’s essentially the idea behind the index fund.”. - Bogle.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.

Compare the three taxable money market funds from Vanguard: VUSXX, VMFXX, and VMRXX. Learn about their yield, safety, tax treatment, and suitability for your needs.Compare the three taxable money market funds from Vanguard: VUSXX, VMFXX, and VMRXX. Learn about their yield, safety, tax treatment, and suitability for your needs.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 ...How much do you know about ethanol, E85 and flex-fuel? Keep reading to learn about alternative fuels such as ethanol, E85 and flex-fuel. Advertisement Flex Fuel? Ethanol? E85? Been...

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2) VMPXX and VUSXX invests nearly 100% in Treasury bills and Treasury notes. See latest semi-annual reports for VMPXX and VUSXX.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).Jul 23, 2023 · 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... 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...When I checked the 7-day SEC yield of VMFXX and VUSXX, they look similar and in fact VMFXX is slightly better (3.6% vs 3.5% right now). I wonder if there's any advantage as to keeping the money in VUSXX as opposed to VMFXX as 'settlement' money in Vanguard account. Thank you in advance for your answers!

VMFXX: fed tax + partial state tax. VUSXX: fed tax only. (no state tax) To compare VMFXX vs VUSXX, you can compute the after-tax yield = (7-day SEC yield) - (all taxes), whichever gives you the higher after-tax yield is your best bet. Note that SEC yield varies from time to time, and everyone has different tax rates.NY is one of 3 States that may lose all tax benefit. Look at the NY Muni or USFR. Take a look at VYFXX. 421K subscribers in the Bogleheads community. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with….mktwizard wrote: ↑ Sat Mar 11, 2023 12:54 am I shifted most of my cash balances from VMFXX Vanguard Federal Money Market Fund to VUSXX Vanguard Treasury Money Market Fund due to the fact that VMFXX surprised me this year by making me liable for state taxes by using Repos rather than just holding Treasuries(this was not the case over past decade).However, among a couple of small/indeterminate risks are more for VMFXX vs. FDIC insured deposits:-a 'technical' default by the government over 'debt ceiling' could at least temporarily gum up the works for redeeming money market funds full of govt issues (especially the more T-bill heavy, though *generally* even safer VUSXX).Jun 17, 2023 · Fidelity launched the Fidelity Government Money Market Fund (SPAXX) in 1990, and boasts $267.99 billion in total net assets as of May 2023, making it one of the most widely held funds in this ... 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. Learn the differences and similarities between VUSXX and VMFXX, two conservative money market funds offered by Vanguard. Compare their diversification, expense ratios, tax efficiency, performance, and dividend yield.4.77% is higher than 4.70%, but VUSXX is mostly exempt from state income tax where VMFXX isn't. Reply. yes_its_him. •. VMFXX does a few more tricky things so it makes slightly more money and costs slightly more. You can treat them as identical for the most part. Reply. Zealousideal-Pop4426. •.4.77% is higher than 4.70%, but VUSXX is mostly exempt from state income tax where VMFXX isn't. Reply. yes_its_him. •. VMFXX does a few more tricky things so it makes slightly more money and costs slightly more. You can treat them as identical for the most part. Reply. Zealousideal-Pop4426. •.Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC.. For additional financial information on Vanguard Marketing Corporation, see its Statement of Financial …

Feb 4, 2023 · To calculate your own rate of interest that you'd get to keep for the fund, you'd subtract your marginal tax rate from 1.0, then multiply that number times the SEC 7 day yield. ( 1.0 - 0.22) X 4.33% = 3.3774%. So, 3.3774% is the interest you'd actually get to keep by investing in VUSXX, if you're in the 22% Federal bracket.

However, among a couple of small/indeterminate risks are more for VMFXX vs. FDIC insured deposits:-a 'technical' default by the government over 'debt ceiling' could at least temporarily gum up the works for redeeming money market funds full of govt issues (especially the more T-bill heavy, though *generally* even safer VUSXX).by Geologist » Sat Mar 09, 2024 7:05 pm. I'm not sure why you titled your thread "Money Market or VUSXX" because VUSXX is the Vanguard Treasury Money Market Fund. Money Market fund yields change constantly. While that means the yield will go up rapidly if short-term rates go up (that would maximize your ROI), the yield will also go down ... VMFXX vs VUSXX. 20% of my Emergency Fund is in a MMF for immediate liquidity, with the remainder in 1 yr T-Bills that mature quarterly (ladder). The question is regarding the best MMF choice. VUSXX has lower expenses (0.09% vs 0.11%), VMFXX has higher yield (3.77% 1 yr vs. 3.69%). Is it 6 of one, half dozen of the other? Learn the differences and similarities between VUSXX and VMFXX, two conservative money market funds offered by Vanguard. Compare their performance, fees, tax efficiency, diversification, and risk rating.Fund literature. View prospectus and reports. Vanguard Treasury Money Market Fund (VUSXX) - Find objective, share price, performance, expense ratio, holding, and risk details.Thoughts on VUSXX vs VMFXX to park cash during this volatility? Both pretty low expense mm funds yld @ ~5%. VMFXX invests largely in securities issued by the U.S. government or its agencies. It also invests in repurchase agreements with collateral backing of U.S. Treasuries or to a lesser extent mortgage-backed securities.Vanguard money market funds. Money Market funds offer lower market risk and give your savings an opportunity to grow. Open an account. View money market fund rates. — SEC yield. Average 7-day SEC yield as of — Vanguard Federal Money Market Fund (VMFXX) This is the default fund for the Vanguard Brokerage Account settlement fund. View fund.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 ...However, taking your federal net rate (regular plus AMT exposures) at face value yes VMSXX rather than VMFXX or VUSXX or VMMXX. If your income puts you beyond the AMT bump zone then the method is the same but sub 28% for 35% on VMFXX. For VMSXX you'd apply some fraction of the 28% or 35% according to the fraction of the …

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VMFXX vs VUSXX in WA with no state income tax state? Hello, if i am living in WA where there is no state income tax, would VMFXX be the better choice here? Thanks. Archived post. New comments cannot be posted and votes cannot be cast. If you are in a higher tax bracket some muni funds TEY is higher than treasury or cash funds. VMSXX is an …VUSXX is the safest because of its pure T-Bills composition. VMFXX is second safest. VMMXX is the least safe and is also gated, which makes it unsuitable for an emergency fund. Thus VUSXX is the safest choice. It is safer than VMFXX since it yields the same, but is also exempt from state and local taxes.VMFXX vs VUSXX. 20% of my Emergency Fund is in a MMF for immediate liquidity, with the remainder in 1 yr T-Bills that mature quarterly (ladder). The question is regarding the best MMF choice. VUSXX has lower expenses (0.09% vs 0.11%), VMFXX has higher yield (3.77% 1 yr vs. 3.69%). Is it 6 of one, half dozen of the other?Aug 25, 2023 · VUSXX - Vanguard Treasury Money Market Fund. I can see what each fund is invested in (Repurchase Agreements/US Government Obligations/US Treasury Bills) and the mix of those investments, but I don't know the rationale for investing in one fund over the others. While Vanguard money markets (VMRXX, VMFXX, and VUSXX) have lower fees (~0.1% vs. 0.34% for Schwab) on its money market funds, the main funds with competitive interest rates all have a large ...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 ...The Insider Trading Activity of MCMULLEN W RODNEY on Markets Insider. Indices Commodities Currencies StocksVMFXX and VUSXX are the two popular MMMF's at Vanguard T-Bills, no FDIC, but backed by the US government, completely safe. Interest is only taxable federally. Funds are locked up for the term of the Bill, 4, 8, 13, 17, 26, and 52 weeks. I am using VMFXX in our Vanguard Brokerage, and T-Bills at Treasury Direct.VMFXX and VUSXX are the two popular MMMF's at Vanguard T-Bills, no FDIC, but backed by the US government, completely safe. Interest is only taxable federally. Funds are locked up for the term of the Bill, 4, 8, 13, 17, 26, and 52 weeks. I am using VMFXX in our Vanguard Brokerage, and T-Bills at Treasury Direct. ….

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 …4.77% is higher than 4.70%, but VUSXX is mostly exempt from state income tax where VMFXX isn't. Reply. yes_its_him. •. VMFXX does a few more tricky things so it makes slightly more money and costs slightly more. You can treat them as identical for the most part. Reply. Zealousideal-Pop4426. •.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 …VUSXX - Vanguard Treasury Money Market Investor - Review the VUSXX stock price, growth, performance, sustainability and more to help you make the best investments.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 …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. Expenses for VMFXX are 0.11%. The seven-day SEC yield is 5.3%, and the one-year return as of August 31, 2023 was 4.4%.Market Value USD. Sector. Federal Reserve Bank Of New York Federal Reserve Bank Of New York 5.300000%. 32.06. 95.6 Bil. Cash and Equivalents. Fixed Income Clearing Corp. Fixed Income Clearing Corp ...You might consider VUSXX instead of VMFXX if you live in California and pay a high state tax rate as it may have a higher yield after taxes. Top. ND Fan 1 Posts: 348 Joined: Fri Oct 30, 2015 5:29 pm. Re: Ally Bank Savings account Vs VMFXX. Post by ND Fan 1 » Sun Jun 04, 2023 11:11 am. Vusxx vs vmfxx, Jul 23, 2023 · 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... , VUSXX. 0.57% *As of 5/20/22. **$3,000 minimum initial investment. Vanguard investors have a sweet arrangement — VMFXX (the top-yielding MMF in the table) also serves as the default "settlement fund" for Vanguard account holders. You …, Nothing magical, other than lower expense ratios, which translate to higher yields for the investor on comparable money market funds. Here's a sample of 3 Govt./Federal money market funds. Fidelity SPAXX ER 0.42% SEC Yield 4.22%. Schwab SNVXX ER 0.35% SEC Yield 4.35%. Vanguard VMFXX ER 0.11% SEC Yield 4.65%., vmrxx vs vmfxx vs vusxx . Thoughts on which to use instead of HYSA? Massachusetts resident, so was also considering vmatx… Thanks for any guidance! Archived post. New comments cannot be posted and votes cannot be cast. Share     TOPICS. Gaming. Valheim; Genshin Impact; Minecraft;, "Vanguard Federal Money Market Fund’s investment objective is to seek to provide current income while maintaining liquidity and a stable share price of $1. T..., A higher percentage of VUSXX income is exempt from state tax than is VMFXX income, which may overwhelm any apparent difference in yield (and doesn't VUSXX usually yield more anyway). This ^^^, especially in a high income tax state. For 2022, it is likely that there will be no state tax exemption for VMFXX in CA, CT and NY., VUSXX has higher allocation to US Treasury bills than VMFXX does, so VUSXX's distributions are closer to 100% state tax exemption. Once I learned about VUSXX, I immediately made the switch. It's a no brainer at a current forward yield of 5.29% as of 3/1/24. I also live in a state that taxes me., VUSXX money market yield now above 5%. Yesterday VUSXX broke above 5% and hit 7-day SEC yield of 5.03%. Archived post. New comments cannot be posted and votes cannot be cast. Very short term rates are artifically high, because investors want some compensation for the risk that T-bills maturing in June may not be paid when due., Treasuries are not federal tax free...only state tax free. So VUSXX would be mostly state tax free...they don't guarantee it is 100% state tax free, as they are able to invest in repurchase agreements per their fund summary, but I believe it is usually pretty close to 100%. VMFXX was 37% state tax free in 2022., State tax = 70% taxable. VMFXX (Vanguard Federal Money Market Fund) is 49.37% USGO, therefore it is 50.63% is state taxable (unless you live in CA, CT, NY). I do not use TaxAct, but for TurboTax, when entering your 1099-DIV, there is a question that asks if any of the income is exempt from State Income taxes., May 1, 2017 · VUSXX indicates, "Income generated from investments in repurchase agreements with the federal reserve are generally subject to state and local income taxes." From a state tax perspective seems VUSXX and VMFXX both have repurchase agreements and therefore dividends are also taxed at the state and local level. , 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 ..., 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..., 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., Living with depression can be overwhelming, but there may be positive aspects of the condition. Understanding depression means looking at it from all angles — including the positiv..., VUSXX has higher allocation to US Treasury bills than VMFXX does, so VUSXX's distributions are closer to 100% state tax exemption. Once I learned about VUSXX, I immediately made the switch. It's a no brainer at a current forward yield of 5.29% as of 3/1/24. I also live in a state that taxes me., VUSXX has surpassed the Vanguard default sweep account (VMFXX) and is a great choice for your cash. Alternatives include non penalty CDs and T-Bills (especially 4 month). I-Bonds are no longer competitive as the rate is expected to plummet to 2% for the next 6 month period. If you follow the KISS approach, VUSXX is currently the best option out ..., 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 ..., Learn the differences and similarities between three Vanguard money market funds: VMFXX, VMRXX, and VUSXX. Compare their investment objectives, strategies, …, Nothing magical, other than lower expense ratios, which translate to higher yields for the investor on comparable money market funds. Here's a sample of 3 Govt./Federal money market funds. Fidelity SPAXX ER 0.42% SEC Yield 4.22%. Schwab SNVXX ER 0.35% SEC Yield 4.35%. Vanguard VMFXX ER 0.11% SEC Yield 4.65%., Find the latest Vanguard Admiral Funds - Vanguard Treasury Money Market Fund (VUSXX) stock quote, history, news and other vital information to help you with your stock trading and investing., A link from The Wall Street Journal. A link from The Wall Street Journal. Standard Chartered analyst Judy Zhu was startled when she made her regular round of China’s copper warehou..., ADMIN MOD. VUSXX @ 4.31% and 100% State Tax Free. Best MMF if you live in a State with taxes. VUSXX has surpassed the Vanguard default sweep account (VMFXX) and is a great choice for your cash. Alternatives include non penalty CDs and T-Bills (especially 4 month). I-Bonds are no longer competitive as the rate is expected to plummet to 2% for ... , As much as we depend on our gadgets and their accompanying software to do more of our daily tasks—from reminding us to go to meetings to crunching stats for our favorite sports pla..., But I don't see VMFXX as being more risky relative to VUSXX or direct bills than it normally is, might even be temporarily the other way around. A 'technical' default might mess up bill redemptions without messing up redemptions of short term agency debt, a lot of the 'govt obligations' in VMFXX. That money isn't being disbursed by the govt per ..., Need to manually buy VUSXX in any Vanguard brokerage account (traditional IRA, Roth IRA, taxable) because VUSXX isn't the default money market fund. As of 6/13/23, VUSXX yields 5.06% annually and around 42% of distributions are state tax exempt because 42% of the fund is in T-bills., VUSXX vs VMFXX Tax Differences. by Fordguy88 » Thu Mar 02, 2023 7:18 pm. I came across an article saying that VUSXX funds are not taxed at the state level (I'm currently a WI resident) but taxed at the Fed level. The default settlement fund with Vanguard is VMFXX for me., Vanguard offers five money market funds with different investment strategies and expense ratios. VMFXX and VUSXX are the most similar, both investing in short-term U.S. …, Societal pressure and the consistent trauma of navigating the world as a Black person can make it difficult to discuss and treat depression within the Black community. Black folks ..., Vanguard Federal Money Market Fund seeks to provide current income while maintaining a stable $1 NAV and a very short average maturity. The fund invests at least 99.5% of its total assets in cash, government securities, and/or repurchase agreements that are collateralized solely by government securities or cash (collectively, government ..., VMRXX and VMFXX look like the same fund and since VMRXX's average 7-day SEC yield is slightly higher than VMFXX's yield (5.28% vs. 5.27%, as of 8/24), I …, A high-level overview of Vanguard Treasury Money Market Fund Inv (VUSXX) stock. Stay up to date on the latest stock price, chart, news, analysis, fundamentals, trading and investment tools., VMFXX vs VUSXX. 20% of my Emergency Fund is in a MMF for immediate liquidity, with the remainder in 1 yr T-Bills that mature quarterly (ladder). The question is regarding the best MMF choice. VUSXX has lower expenses (0.09% vs 0.11%), VMFXX has higher yield (3.77% 1 yr vs. 3.69%). Is it 6 of one, half dozen of the other?