Vusxx vs vmfxx.

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.Malpractice insurance pays for the mistakes health care professionals make due to negligence or harmful decisions. Malpractice insurance is liability insurance for doctors and othe...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.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 ...

Learn the key differences between VUSXX and VMFXX, two low-risk money market funds from Vanguard. Find out their investment objectives, risk levels, …

Fund literature. View prospectus and reports. Vanguard Treasury Money Market Fund (VUSXX) - Find objective, share price, performance, expense ratio, holding, and risk details.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. …

Jun 23, 2010 · 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 ... 1 day ago · 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 ... 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).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 ...

VUSXX has a sightly lower yield but is partially state income tax exempt. VMFXX has a slightly higher yield but is generally not state income tax exempt. So what really matters if whether you live in a state with state income tax. I will point out that as I type this they both have identical yields - 5.32%. But this is not always the case. Reply.

$297,431 MM 0.11 % VMFXX 07/13/81 0033 Investment objective Vanguard Federal Money Market Fund seeks to provide current income while maintaining liquidity and astable share price of $1. Benchmark US Gov't Money Market Funds Average Growth of a $10,000 investment: January 31, 2014— December 31, 2023 $11,276 Fund as of 12/31/23 …

Jan 29, 2019 · 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. 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 ...zCSI. • 1 yr. ago. I just recently converted from VMFXX which was the highest yielding to VUSXX since that is state tax exempt. VMSXX's yield is currently half of VUSXX. In my opinion, it's too low below 2%. I would pick middle ground and at least not pay state tax but get double the yield with VUSXX. 4. bobdevnul.Jan 4, 2023 · So it is not very likely that 70% of VMFXX income is Treasury interest. State taxation of income from Repurchase Agreements is subject to considerable controversy: https://dspace2.creighton.edu/xmlui/bit ... 995%29.pdf. On the other hand, VUSXX portfolio composition: US Govt Obligations: ~6.5% , US T-Bills: ~93.5%: Ruminant. •. SPAXX is the more appropriate Fidelity alternative to VMFXX. It's a government money market fund like VMFXX. I think it is even the default cash position for new Fidelity brokerage accounts, just like VMFXX (and if it isn't the default, you can make it your cash position). SPRXX is a "prime" money market fund that invests a ...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 ...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 ...

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.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)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.Jan 24, 2019 · 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). 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.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.Between VMFXX/VUSXX and T-bills at Vanguard it's a two step process to sell the bill and xfer the money from VMFXX to your checking account, if that matters to you. A constant theme of discussions like this IMO is people have different amounts (maybe by orders of magnitude) in mind so are talking past each other because of that* and/or ...

USFR has a higher SEC yield (5.11%) and the distributions are mostly exempt from state and local taxes. Yes you can possibly lose money with USFR since it trades on the open market and is therefore subjected to price fluctations. However, the daily prices movements are extremely small. Just avoid buying a lot of shares right before the ex-div date.

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 ...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.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….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.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 ...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 ...VUSXX is also classified as a government money market fund, albeit one that invests more conservatively compared to VMFXX. Unlike VMFXX, VUSXX currently …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 ...

Here is a hint. I ran a backtest of VUSXX, VMFXX, vs. FZFXX and FDLXX in my Optimizer spreadsheet for CA taxpayers. Assumption and Constraints: 81% USGO for VUSXX (based on my tool's calculations) and it met the 50% threshold; FZFXX did NOT meet the 50% threshold; FDLXX obtains the threshold with 100% USGO; VMFXX did …

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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.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) 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 ... Another important consideration is cost. VMRXX is less expensive than VMFXX by 0.01%. While the difference is marginal when you add this to the outperformance by VMRXX it enhances the amount of returns you will receive. In terms of tax efficiency, VMFXX has a slight edge as it has a smaller tax impact than VMRXX.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 ...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. Ruminant. •. SPAXX is the more appropriate Fidelity alternative to VMFXX. It's a government money market fund like VMFXX. I think it is even the default cash position for new Fidelity brokerage accounts, just like VMFXX (and if it isn't the default, you can make it your cash position). SPRXX is a "prime" money market fund that invests a ...Nov 6, 2023 · Another important consideration is cost. VMRXX is less expensive than VMFXX by 0.01%. While the difference is marginal when you add this to the outperformance by VMRXX it enhances the amount of returns you will receive. In terms of tax efficiency, VMFXX has a slight edge as it has a smaller tax impact than VMRXX. 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 has a slightly lower expense ratio than VMFXX vs VUSXX has an expense ratio of 0.08%, while VMFXX has an expense ratio of 0.11%. This means that investors in VUSXX keep more of their returns than investors in VMFXX. Yield. VUSXX vs VMFXX typically have similar yields.Fund management. 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 … 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.

Process. 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 ...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.FDLXX vs VUSXX (tax-equivalent yield) I know VUSXX was the darling here for a while, but it seems to me like these two funds may be equals these days (depending on your state and income when considering tax-equivalent yield) since VUSXX went heavy into repos. FDLXX 7 day SEC 4.87%, 92% state exempt. VUSXX 7 day SEC 5.15%, 66% state exempt.Instagram:https://instagram. juniors christmas tree cheesecakepark nicollet entselenas killerschnucks jefferson city mo 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). used trucks for sale roanoke vadouglas pernell dillon sc obituary VUSXX has a slightly lower expense ratio than VMFXX vs VUSXX has an expense ratio of 0.08%, while VMFXX has an expense ratio of 0.11%. This means that investors in VUSXX keep more of their returns than investors in VMFXX. Yield. VUSXX vs VMFXX typically have similar yields.VUSXX vs FDLXX . Investing Questions Currently keeping EF in FDLXX at Fidelity. In a state with high income tax, how much better is VUSXX at Vanguard compared to FDLXX in preserving capital against inflation when factoring in the ER and 7-day yields? Can you have a brokerage acc at Vang at the same time as fidelity? ... Vanguard VMFXX vs VMRXX? frontline education phone number Vanguard Prime Money Market Fund (VMMXX) somewhat recently had a 7-day SEC yield as high as 2.48%. But it has been steadily dropping and currently has a 7-day SEC yield of 2.40%. About 34.9% is comprised of U.S. government obligations and treasury bills as of 4/30/19. Vanguard Federal Money Market Fund (VMFXX) has a 7-day …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.