Vusxx vs vmfxx

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.

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 Cash Reserves 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 …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.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.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 …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. 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 …

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.The Insider Trading Activity of MCMULLEN W RODNEY on Markets Insider. Indices Commodities Currencies Stocks11 921932109. 1 The Fund’s Institutional Shares were converted to Admiral Shares on December 14, 2015. The Institutional Shares originated as Vanguard Institutional Money Market Portfolio, a separate fund that merged into Vanguard Cash Reserves Federal Money Market Fund (formerly known as Vanguard Prime Money Market Fund) on October 27, …VUSXX - Vanguard Treasury Money Market Investor - Review the VUSXX stock price, growth, performance, sustainability and more to help you make the best investments.VUSXX is better for state tax free. Reply. Like (3) Logan Kane. 11 Mar. 2023. ... Is it still better to put money in VMSXX (muni) at 2.99% vs VMFXX at 4.23% for anyone in highest tax bracket? I ...The difference of .04 percent is not going to make a huge difference in most cases. For every 100k that’s about forty dollars difference. Vusxx also has a 3000 min balance while vmfxx doesn’t. Oh interesting. The VMFXX page …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.

VUSXX has a higher return at baseline right now it does. it trades off with VMFXX often. only 23% in repos. VMFXX has over 50% in repos. vanguard altered the fund. VUSXX used to be only treasuries, now its watered down. it isnt dramatically different from VMFXX to the point there isnt any point in debating which fund to prefer.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.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. …Dec 22, 2023 · Vanguard Treasury Money Market Fund, which invests primarily in U.S. Treasury securities, seeks to provide current income and preserve shareholders’ principal investment by maintaining a share price of $1. This fund at a minimum invests 80% of the assets in debt issued directly by the government in the form of Treasury bills and in repurchase ... 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.

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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.Giving the taxable nature of VUSXX now since it has 41.50% in repurchase agreements and 4.75% yield, does it still make sense to park money in VUSXX instead of leaving it in the settlement fund of VMFXX earning a yield of 4.98% with a 35% Fed bracket. Wouldnt the TEY yield come out to be the same for both of these money market funds.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.VUSXX has a higher return at baseline right now it does. it trades off with VMFXX often. only 23% in repos. VMFXX has over 50% in repos. vanguard altered the fund. VUSXX used to be only treasuries, now its watered down. it isnt dramatically different from VMFXX to the point there isnt any point in debating which fund to prefer.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 …

Vanguard Cash Reserves 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 …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 …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 …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 ...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. VUSXX-Vanguard Treasury Money Market Fund | Vanguard. Vanguard Treasury Money Market Fund. Buy. Compare. Management style. Active. Asset class. …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.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 ... 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 ...

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.

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 ...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 …Giving the taxable nature of VUSXX now since it has 41.50% in repurchase agreements and 4.75% yield, does it still make sense to park money in VUSXX instead of leaving it in the settlement fund of VMFXX earning a yield of 4.98% with a 35% Fed bracket. Wouldnt the TEY yield come out to be the same for both of these money market funds.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 ...Chimpan. • 1 yr. ago. If you are in a higher tax bracket (~22-24%, you have to do the math based on the current yield), you can invest in Municipal Money Market Funds (VMSXX) that has lower yields but is federal tax free thus making the actual yield higher. Interest from a savings accounts ( HIgh yield or otherwise) and VMFXX get the same tax ...TPG is one of a handful of travel outlets this week getting exclusive access to the first sailing of American Countess. In the end, it wasn't nearly as complicated as I thought it ...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 …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 ...

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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.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.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 ...VMRXX - Cash Reserves Federal Money Market Fund Admiral Shares, .10 expense, 5.29% yield. VMFXX - Federal Money Market Fund, .11 expense, 5.27% yield. VUSXX - Treasury Money Market Fund, .09 expense, 5.18% yield. Thanks! I definitely need things explained to me like I'm 5, and I've found Jennifer Lammer's videos helpful.Mar 11, 2023 · 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). 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 ...VUSXX is 80% state-tax exempt for all investors, including California, Connecticut, or New York residents. Its 7-day SEC yield is 5.28%, with an expense ratio of 0.09%. How to Choose VUSXX vs. VMFXX or VMRXX? VUSXX is safer than VMFXX since it only invests in U.S. Treasuries. The same applies to VUSXX vs. VMRXX.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, 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. 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 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 …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. ….

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.VUSXX-Vanguard Treasury Money Market Fund | Vanguard. Vanguard Treasury Money Market Fund. Buy. Compare. Management style. Active. Asset class. …High Yield Savings vs VMFXX vs ? for storing Cash. I currently adhere to a 70%/30% VTSAX/cash investment strategy for logical and personal risk tolerance reasons. The cash allocation is sort of a bond substitute. Up until this point, I've thrown the cash, a bit under 1MM, in an Ally account. This has worked great, though I've become ...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 ... The difference of .04 percent is not going to make a huge difference in most cases. For every 100k that’s about forty dollars difference. Vusxx also has a 3000 min balance while vmfxx doesn’t. Oh interesting. The VMFXX page states it has a 3k investment minimum also.Stormy Skies - Stormy skies provide the ultimate evidence that our atmosphere never rests. Learn why stormy skies occur and what the different types of storms are. Advertisement Th...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 Treasury Money Market Fund, which invests primarily in U.S. Treasury securities, seeks to provide current income and preserve shareholders’ principal investment by maintaining a share price of $1. This fund at a minimum invests 80% of the assets in debt issued directly by the government in the form of Treasury bills and in repurchase ...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 … 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]