Vusxx vs vmfxx

Product summary. Vanguard New York Municipal Money Market Fund’s investment objective is to seek to provide current income that is exempt from both federal and New York personal income taxes while maintaining a stable net asset value of $1 per share. The fund is intended for New York residents only. Under normal circumstances, …

A discussion thread about the tax implications of choosing between VUSXX and VMFXX funds as settlement funds for Vanguard accounts. Users share their …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 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 …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.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...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...Apr 5, 2023 · The My Best Now tab shows you which fund has the highest after-tax yield right now for the tax rates you entered. In this example, it shows that the national tax-exempt fund has the highest after-tax yield, although not by much over the Treasury money market fund (3.57% versus 3.49%, or 5.25% versus 5.13% pre-tax).

Pros: The 7-day yield is slightly higher than FZDXX and much higher than SPRXX (4.46% as of 2/8/2023). Required minimum is only $3k, so I can use it even in a low-balance account and get a higher rate than SPRXX. It’s a government market fund, so it’s safer and less/not subject to liquidity fees and redemption gates.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 …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...This web page does not contain any information about vusxx vs vmfxx. It lists the 10 best money market mutual funds of April 2024 based on yield, fees, size and …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... VMFXX yield increases more quickly after a Fed rate hike because it holds shorter-term securities, but VUSXX usually ends up a bit higher once things settle down. …

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 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.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.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.

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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. 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!VUSXX has a higher 7-day yield after fees are taken into account. The trade-off, IMU, is that Vanguard MMFs aren't quite as liquid as Fidelity's. Fidelity lets you treat them like cash. Just go with an ETF that you can buy at Fidelity if you feel the Fidelity MMFs are too expensive.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.Jan 12, 2019 · 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.

German shoppers looking to buy an older iPhone might be disappointed. German shoppers looking to buy an older iPhone might be disappointed. Apple said last week that it would pull ...Hi all, I'm wondering why people are going through the process of doing t-bill ladders etc with cash vs just buying liquid positions like VMFXX (7 day yield 3.61%) and VUSB (30 day sec yield 4.57%)? ... a mix of repos and Tbills so you don’t get state tax exemption like tbill boight at auction or tbill only fund like vusxx would provide.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...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 ...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. Why not just move it to VUSXX (Treasury MM)? It is somewhat safer, since it is all Treasuries, it currently has a higher yield (2.25% vs 2.15% for VMFXX), and it is 100% exempt from state tax. VMFXX may or may not be partially exempt from state tax, depending on your state and how much USGO they hold.VUSXX might be better depending on your state/local tax rules. Yeah go for it, math is right, this is an excellent idea. VMFXX 7-day yield is 5.04%, which on $30k would be about $1500/yr or $125/month. Even better if you can wire the funds for closing directly from Vanguard to the title company.So if you have $100K in t-bills or VMFXX, you would earn about $5,300 in interest, but pay about $500 less in taxes using t-bills. VUSXX would be better than VMFXX because it is expected to have better than 50% state tax exclusion. I have about 10% of my cash in T-Bills/CDs currently.

A discussion thread about the tax implications of choosing between VUSXX and VMFXX funds as settlement funds for Vanguard accounts. Users share their …

With interest rates going up, I am thinking of just leaving the money there instead of my original plan of moving it into SCHD. 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.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.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 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.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 …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 …Pros: The 7-day yield is slightly higher than FZDXX and much higher than SPRXX (4.46% as of 2/8/2023). Required minimum is only $3k, so I can use it even in a low-balance account and get a higher rate than SPRXX. It’s a government market fund, so it’s safer and less/not subject to liquidity fees and redemption gates.Here's how one travel writer got an excellent deal on a Vacasa rental using Capital One miles and Wyndham Rewards. Being a ski bum on the East Coast is no easy feat. To get some go...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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Currently swvxx is yielding 5.17% and snsxx 5.02% (5.17 - 5.02) / 5.17 = ~.029 so swvxx is currently yielding 2.9% higher than snsxx. If your state income tax is going to be higher than 2.9% it makes more sense to keep your money in snsxx if it will be lower it makes more sense to keep it in swvxx.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 …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 ...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. Performance charts for Vanguard Treasury Money Market Fund (VUSXX - Type MMF) including intraday, historical and comparison charts, technical analysis and trend lines.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.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 ...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...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 …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. ….

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.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 …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.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.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 ...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 …VUSXX-Vanguard Treasury Money Market Fund | Vanguard. Vanguard Treasury Money Market Fund. Buy. Compare. Management style. Active. Asset class. …My gripe with SPAXX is that while it also holds US Treasuries, they hold other US obligations. A tad riskier. They do this do try and make up for their much higher expense ratio, 0.42% vs 0.11%. You can also see this in their 7day yield of 4.42% vs Vanguards 4.76%. You should invest what you’re comfortable with.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 …VMFXX's 4.12% is 2.75% assuming 50% state tax exempt, VUSXX's 3.91 is 2.76% at 100%, 'qualified investment fund', best savings account I have currently is 4% pre tax APR, 2.51% after tax. I have big slug of cash reserves in VUSXX and most of the rest in VMFXX, a relatively small amount in the savings account in case I get locked out of … Vusxx vs vmfxx, [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1]