Vusxx vs vmfxx.

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.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.Apr 12, 2019 · Thank you in advance. VMFXX (Vang Federal MM): 5.28% yield exp ratio 0.11%. VUSXX (Vang Treasury MM): 5.26% yield exp ratio 0.09%. VMSXX (Vang Muni MM): 3.12% yield exp ratio 0.15%. First off, your Federal rate is almost surely 40.8% including NIIT. My tool will give you a detailed analysis of the best option. The Insider Trading Activity of MCMULLEN W RODNEY on Markets Insider. Indices Commodities Currencies Stocks

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 ...virginiabirdie wrote: ↑ Mon May 23, 2022 1:24 pm Please be patient with me -- why do people invest in funds like VUSXX and VMFXX, which yield less than a bank MM (Capital One)? SEC 7 day yield on VUSXX is 0.57%; capital one is 0.60%. There is a state tax advantage to the Vanguard funds, I think, but does that make that much of a difference?

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 ...

2 days ago · The Fund seeks to provide current income while maintaining liquidity and a stable share price of $1. At least 80% of the Funds assets will be invested in U.S. Treasury securities. The Fund ... 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. VUSXX - Vanguard Treasury Money Market Investor - Review the VUSXX stock price, growth, performance, sustainability and more to help you make the best investments.Sometimes it's better the second (or third, or fourth) time around. The usual suspects have been deeply traumatized by the latest trailer for a Disney movie (as though we have noth...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.

VUSXX vs VMFXX for holding cash. VUSXX has a lower expense ratio (.09 vs .11) and a slightly higher yield. Thoughts on why anyone wouldn't use it to hold cash? Archived post. New comments cannot be posted and votes cannot be cast. 1. 8 Share.

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 …

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 …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.For example, VMFXX is currently paying a seven-day SEC yield of 5.3%, which sits in the federal funds target range of 5.25% to 5.5%. VMFXX is classified as a government money market fund.Vanguard - Product detail is a webpage that provides information on the Vanguard Treasury Money Market Fund, an institutional investment product that seeks to provide current income, liquidity and stability. The webpage offers an overview, performance, price and distributions, portfolio management and literature of the fund. The webpage also allows users to compare the fund with other related ...within the fund and not for the entire month when dividends are declared. I parked money for short term in VMSXX for 17 days (Jan 1-Jan17) as follows. Jan 1 - Jan 3 - 580,000 (avg SEC yield 3.516 for 3 days) Jan 4 - Jan 11 - 680,000 (avg SEC yield 3.166 for 8 days) Jan 12 - Jan 17 - 930,000 (avg SEC yield 2.516 for 6 days)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.May 3, 2024 · Like its larger sister fund, VUSXX maintains a dollar-weighted average maturity of 60 days or less. Its expense ratio is the lowest on our list. T. Rowe Price Government Money Fund (PRRXX)

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 ...VGSH 'can' decline but the drawdowns have been modest (~3% this year). For most people 6 months of expenses vs 0.97*6 = 5.82 months of expenses isn't going to make a material difference. As long as you understand the risk it is an alternative to cash. It isn't for everyone. Some people must have exactly six month of expenses in plain old cash.VMFXX maintains share price at $1 so all the yield comes in monthly dividend payments. That's helpful - thanks. In terms of the duration, maybe if I outline what I'm doing, it would be interesting to get people's view on the best alternative. ... but have not done that so a bit limited). I was hoping i'd see some funds like VUSXX, but looks ...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.The yield for VUSXX is higher than most HYSAs, before you even consider state tax exemption. A better question might be VUSXX versus VMRXX, which will depend on your individual circumstances. ... 2023 will be way more important to do so as I have also recently decided to use VMFXX as a secondary emergency fund and have moved much …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).

After tax returns for the two funds over the period of time is: VUSXX = 3.96% (or $3,959 per $100K invested) VMFXX = 3.89% (or $3,888 per $100K invested) VUSXX wins by $71 for the year on $100K invested. From a back-test the story is VUSXX wins, but it is so close, we cannot be sure it was predicable.

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.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 ...Vanguard Federal Money Market Fund (ticker: VMFXX) 5.3%: 0.11%: Vanguard Treasury Money Market Fund (VUSXX) 5.3%: 0.09%: Vanguard Cash Reserves Federal Money Market Fund Admiral …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. 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. 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.

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.

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.

Both VBTLX and VMFXX have Treasury securities as a majority of their assets, so both might qualify for a partial state tax exemption. Vanguard won't release complete information about tax treatment until January, so I can't say that either one will necessarily be better from a tax standpoint. VUSXX more definitely qualifies for state tax exemption.After tax returns for the two funds over the period of time is: VUSXX = 3.96% (or $3,959 per $100K invested) VMFXX = 3.89% (or $3,888 per $100K invested) VUSXX wins by $71 for the year on $100K invested. From a back-test the story is VUSXX wins, but it is so close, we cannot be sure it was predicable.VUSXX vs VMFXX for holding cash. VUSXX has a lower expense ratio (.09 vs .11) and a slightly higher yield. Thoughts on why anyone wouldn't use it to hold cash? Archived post. New comments cannot be posted and votes cannot be cast. 1. 8 Share.For example, VMFXX is currently paying a seven-day SEC yield of 5.3%, which sits in the federal funds target range of 5.25% to 5.5%. VMFXX is classified as a government money market fund.The Insider Trading Activity of MCMULLEN W RODNEY on Markets Insider. Indices Commodities Currencies StocksMar 22, 2023 · by Wiggums » Wed Mar 22, 2023 11:26 am. VUSXX is the safest because of its pure T-Bills composition and state and local tax exempt. VMFXX is second safest, but the composition is not a pure US treasury play. VMFXX dividends are partially taxed at the state level. 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.Mar 22, 2023 · by Wiggums » Wed Mar 22, 2023 11:26 am. VUSXX is the safest because of its pure T-Bills composition and state and local tax exempt. VMFXX is second safest, but the composition is not a pure US treasury play. VMFXX dividends are partially taxed at the state level. 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.Best money market funds. Vanguard Federal Money Market Fund (VMFXX) Vanguard Treasury Money Market Fund (VUSXX) Schwab Value Advantage Money Fund – Investor Shares (SWVXX) Schwab Treasury ...For example, $100K in VMFXX or VUSXX, assuming 10% state and local income tax, you would earn about $5,400 in interest in either case. You would pay $540 in state and local taxes using VMFXX. VUSXX would be better than VMFXX because you would pay less in state taxes. VUSXX is expected to have somewhere between 50% and 80% state tax …

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! 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%.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 pmInstagram:https://instagram. tisha campbell ageage of lester holtrainsoft dealers near mewalmart caguas Mar 3, 2022 · What is the real difference between the three Vanguard money market funds VMRXX, VMFXX, and VUSXX, particularly in terms of expected performance? They seem to have similar objectives. Right now, the yield on VUSXX is 0.09% whereas the other two are 0.01%. Location: Hawaii No Ka Oi - white sandy beaches, N. Arizona 1 mile high. publix super market at riverwood town centerwho is still married to kody Big_Mase10. What is VMFXX? Confusion with Vanguard. I have put roughly $18k into vanguard throughout VTI, VIGI, and VTIAX, and it shows it split up evenly (6k in Roth to VTIAX, and the other 12k to VTI and VIGI), however when i look at my portfolio balance it shows 9,000 in short term reserves of VMFXX. Can someone please explain what’s …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. tehachapi webcam What is the real difference between the three Vanguard money market funds VMRXX, VMFXX, and VUSXX, particularly in terms of expected performance? They …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 Vanguard equivalent ...