Vusxx vs vmfxx.

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 Insider Trading Activity of MCMULLEN W RODNEY on Markets Insider. Indices Commodities Currencies StocksNY 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….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 …VUSXX 3.83% Vanguard Treasury Money Market Fund. VMFXX 3.75% Vanguard Federal Money Market Fund. SPAXX 3.3% Fidelity® Government Money Market Fund. SPRXX 3.7% Fidelity® Money Market Fund. FDRXX 3.3% Fidelity® Government Cash Reserves. FZDXX 3.8% Fidelity® Money Market Fund Premium Class. FDLXX 3.3% Fidelity® Treasury Only Money Market Fund.

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.

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.

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...Jul 25, 2018 · 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. 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 …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.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).

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

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.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 ...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%.In a joint statement, the European Union Aviation Safety Agency (EASA) and European Centre for Disease Prevention and Control (ECDC) said the measure would help to ease pressure on...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 exclusion ...Depends on your federal tax bracket and the state you live in. VUSXX has a rate of 2.3% and my choice (despite the 50k min) since I live in a high tax state. VMSXX is fed exempt and returns 1.3%. You would need to do the math. Both should be equally liquid Comment. Post Cancel. Jaskel. New Member. Join ...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 …

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 ...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.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 ... 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.A peninsula stretching south of the Alpide belt whose northern boundary is a breathtaking mountain chain. A land of wonderful—and wonderfully different—landscapes yet subject to de...

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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.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 ...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 ...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. •.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 ... 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. The VMFXX 7 day yield (the "VMFXX yield") is the first performance-related number investors see when they visit the Vanguard VMFXX website, but it doesn't represent actual performance. As shown in Figure 1, the VMFXX yield stood at 5.27% on February 9, 2024, but this figure takes income the fund earned over the previous week and multiplies it ...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.

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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.

It seems like every brand has its own credit card now. Are they worthwhile? And how did we get here? I remember when cobranded credit cards made more sense. Ah, the good old days. ...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.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. However, the savings is not $122.73 but the difference between the USGO percentage for VUSXX (80%) vs. VMFXX (49%). So the savings is less than half of $122 (and according to my web search, the maximum tax rate in ND is now 2.5%)...if you keep $100,000 in a money market fund.Jul 25, 2018 · 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. 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.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...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...Any really difference or advantages between them? VUSXX is state tax exempt which can be important in high tax states like CA/CT/NY. VUSXX also has 3000 min initial balance . VMFXX is my current settle fund on Vanguard but doesn’t have anything it. Was thinking about moving cash from Ally into vanguard and into VMFXX or….

Mostly, I don’t need the FDIC insurance as I have full faith in the Vanguard Federal Money Market Fund (VMFXX, 5.28% yield as of 8/28/23) and Vanguard Treasury Money Market Fund (VUSXX, 5.19% yield as of 8/28/23) which both offer much higher interest rates and partial state income tax deductions. These are perfectly acceptable as …May 10, 2023 · 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. 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%:Instagram:https://instagram. btj wings photos 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….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. do zyns cause cancer Learn the key differences between VUSXX and VMFXX, two low-risk money market funds from Vanguard. Find out their investment objectives, risk levels, …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. uva richboro 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 ...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. merrimack premium outlets new hampshire 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 …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 … valvoline mckinney 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…. 500 grams of flour how many cups 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. 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. azula fanfiction Mostly, I don’t need the FDIC insurance as I have full faith in the Vanguard Federal Money Market Fund (VMFXX, 5.28% yield as of 8/28/23) and Vanguard Treasury Money Market Fund (VUSXX, 5.19% yield as of 8/28/23) which both offer much higher interest rates and partial state income tax deductions. These are perfectly acceptable as …VMFXX#ip=1. More of the interest created by VUSXX will likely be exempt from state income taxes, because it usually holds a higher percentage of its assets in US Treasury products and fewer dollars are held in repurchase agreements. Regards, "All of us would be better investors if we just made fewer decisions." - Daniel Kahneman. xfinity voip 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. mobile obits 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 ... loft tyler tx 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. market basket revere ma 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 ...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.