VUSXX
Vanguard Treasury Money Market Fund
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Offsetting Previous Losses While Continuing to Invest for the Future
Vanguard Idle Cash/“Settlement Fund” Options
Vanguard Idle Cash/“Settlement Fund” Options
Idle cash sitting in MooMoo account - possible to squeeze some yield?
T bills vs Gvt obligations ( short term risk mgmt ) - what's your choice?
How will floating-rate treasury funds (USFR, TFLO) fare when interest rates start to fall?
VMSXX has now temporarily surpassed all MMFs for higher federal tax brackets.
Which is more risk free: cash or money market funds that invest in government treasuries?
Which yield definition should you use when comparing floating rate treasury funds?
Are money market funds like VUSXX considered a security? Do you still own the security if the firm fails?
Vanguard Treasury Money Market Fund good idea? Won't I lose money?
Higher federal tax bracket? Tomorrow is probably the day to switch from VUSXX to VMSXX
17 Week T-Bills is now returning the highest yield. 4 weeks tumble which may impact VUSXX
Table of Money Market Funds/ETF's or Ultra Short Term Funds/ETF's available on Merrill Edge
Chasing the yield: Time to switch back from VMSXX (muni) to VUSXX (treasury)
How Does VUSXX (Treasury Money Market Fund) Work?
Vanguard's e-mail contact to ask a KID's translation
Have you found any ~1 year term investment products paying better than savings accounts right now?
Mentions
I think I'm going move half of my VUSXX cash into VOO, and then invest a couple thousand in a broader index that covers the whole market like VTI.
Seen people suggest SGOV and VUSXX, I understand fidelities is an ETF and vanguards is a mutual fund, they look fairly similar in returns and expense fees, is a reason why you would go with one over the other?
There is nothing low risk that is paying 5%+. Similar risk to HYSA would be things like short term bond and brokerage money market funds. SGOV and VBIL are good short term bond funds, currently yielding \~4.18%. Vanguard's MMFs VMFXX and VUSXX are currently \~4.23%. Other broker MMFs are lower because of their higher expense ratio. Fidelity's SPAXX is \~3.97%. The 0.58% difference between 4.18% and a HYSA at 3.6% on $45K would earn an additional $261 a year.
> You can also use any brokerage and buy short term fund like SGOV. Currently yield is 4.17%. SGOV could go down sightly in value through. That's why I don't use SGOV. I use a MMF like VUSXX. SGOV is a security that can trade at whatever it trades at. VUSXX is fixed at a $1. It also has a lower expense ratio.
I always recommend to lock in freedom first....then take smart risks. A good move is to split between stability and upside: park 10–15% in money markets like VUSXX (5.25%) for liquidity, 15% in high-yield REITs like STWD (10%+), 20–25% in index ETFs like VOO or VTI, 15% in covered-call ETFs like JEPI (8.5% yield), 15–20% in high-growth AI stocks like NVDA or SMCI, and keep <5–10% for optional plays like the Wheel strategy or 0DTE options only if you know what you’re doing...
Curious on people's thoughts on VMSXX vs VUSXX
Oh thanks for clarifying things. So what do you suggest? Just take less with a HYSA, or go with SGOV, or VUSXX (I believe that’s a money market account). When they sketchy bonds crash happened back then, did ishares have any part in that or VUSXX? And yes that’s what I was worried about. I didn’t want it to look like a wash out, but sometimes I like to move money around to the bank paying the highest interest rate so that’s why I was wondering what’s the best way to go about it? Thanks for the help!
>If I want to put 20k into VUSXX money market fund do I just do that in my brokerage account and then I'll be able to sell only the VUSXX if/when it's needed? Yes, exactly. I have two different taxable brokerage accounts, one for emergency funds and one for longer-term investing, to make it easier for me to monitor them separately, but you don't need to do that. But yes, you buy now, and then later when you need it you sell and after it settles to cash you transfer it to your bank. I would advise making sure the bank accounts are already set up now in Vanguard so you don't have to do that when you need the cash, since it'll take about a week as it is to get the money moved.
Some banks were paying higher than Treasury money markets. Up until just recently, First Foundation Bank had been consistently paying more than VUSXX even going back before covid
My employer sponsored 401k (started in 2018) is set up through vanguard so I just utilize vanguard to keep it simple. In 2018 I also opened up a Roth IRA as well as an individual brokerage account. My Roth is already maxed out for the year and 401k will be maxed out by November. I have ~20k in savings that can be accessed instantly but it's sitting in an account earning 0.95%. After reading through this sub and some others I've determined that I want to put my "emergency fund" in VUSXX which is currently at 4.23%. Realistically 20k is well over a years worth of emergency funds for my family. Now for the ignorant question... my individual brokerage account just has VXUS and some other funds. If I want to put 20k into VUSXX money market fund do I just do that in my brokerage account and then I'll be able to sell only the VUSXX if/when it's needed? Bear with me here, I realize this is a dumb question for all of you experienced with investing but I've never sold any funds before. I've only ever made contributions to plan for retirement
My conservative position in my E*trade is VUSXX and in Fidelity it is FZDXX. I have viewed these as safe holdings that are better than cash, like a HYSA. Care to comment on if these are good positions for someone trying to preserve value and make sure not to lose money to inflation?
USFR might be marginally better. But yes VUSXX is very good
We use VUSXX along with a regional bank that gives 4.15% and First Foundation Bank 4.31%
Yes, I know it's boring, but I would really like something like a leveraged VUSXX.
I see what you're saying but I still don't get it but you can do what you want. My suggestion remains: $100k = SGOV (or VUSXX) $100k = VOO or VTI
I would probably invest in VUSXX or SPAXX after selling.
If I had million bucks and was not planning on buying property with it: * VUSXX or SGOV 10% * SPY or VOO 30% * QQQ or VGT 30% * BRK.B 30% I've been DCA via 401k and Brokerage accounts into something like the above since 1993 and have about $4.1M bucks now. It's the get rich slowly method.
SGOV is a short term bond fund, not a money market fund. VMFXX is a MMF. Both make a reasonable substitute for a savings account. There are pros and cons to each. SGOV dividends are usually all or close to all state tax free. VMFXX has been \~50% state tax free. If you use VMFXX as your Vanguard settlement fund it is same day liquid to do an ACH transfer to someplace that you can spend it or use it to buy something else at Vanguard. SGOV settles one day after a sale so it takes 1-2 days before you can ACH transfer it out. The proceeds of SGOV can be used the day of the sale, but before settlement, to buy something else at Vanguard. But that triggers the first half of a good faith trading violation. You're ok as long as you don't sell what you bought with unsettled funds before the funds from the sale of SGOV settle. Recently SGOV yield has been less than VMFXX. SGOV being more state tax free may make the net/effective yield better than VMFXX depending on your state tax rate. VUSXX is a Vanguard Treasury bond MMF. Its yield recently has been as good or better than VMFXX. As a Treasury fund it has been all or nearly all state tax free. VUSXX can't be used as a settlement fund so it trades and transfers the same way as SGOV. Unless you have a huge amount of money in these the slight differences in yield doesn't amount to anything worth agonizing about optimizing. Pick one and get on with life.
that's what we use. for some reason, it's the lesser talked about treasury money market option. SGOV and USFR are the (2) funds that get recommended the most we keep our real estate acquisition fund in VUSXX. it's usually one of the highest rates out there and we like to keep our money with Vanguard. we have kept it in select banks as well who were offering various rate promos or simply had a higher rate b/c they wanted to increase deposits (ie First Foundation Bank which has a rate higher than VUSXX last I checked actually)
VUSXX is pretty much the same yield as VMFXX but has the state income tax advantage as well.
Look at VUSXX. Same yield as VMFXX but since it's treasuries, more of the dividends are not subject to state income tax.
I wanted to know is it better to put 100k in a HYSA earning 4.5% in a fintech/digital bank, or open a brokerage account in SGOV or is VUSXX better? What are the pros and cons to each, because I don’t think SGOV/VUSXX stock price would fall, but the US economy would have to tank right to lose the 100k?
VUSXX has the same yield but has a higher percentage of treasuries and thus more of the dividends are exempt from state income tax.
90+% cash in Vanguard VUSXX and the rest in the holding amount (VMFXX)
VUSXX is also avail in Chase self direct.
I trust using treasury money market funds, it’s US treasuries, if the US defaults on these FDIC may not matter. FYI, I have both SNSXX and VUSXX, VUSXX consistently has about a 0.20% higher SEC yield. I believe VUSXX is only available at Vanguard.
> Vmfxx is mostly govt bonds and securities which to my understanding would not be at risk so long as the govt does not default on its debt. Isn't VUSXX better since more is exempt from state income tax?
I would move to VUSXX, TFLO, USRF. ER is low and you can't beat the simplicity. Also, state tax exempt vs a CD, of course that only matters if in a state that levies a state tax.
I use Vanguard's (better) treasury fund, VUSXX. Laddering CDs sounds like a hassle.
Great time to liquidate and GTFO of the market for a while. Most of my profits of late have been from VUSXX…
If you want to buy in the next two years, VUSXX is great. It has better tax advantages than the cash sweep fund in a Vanguard brokerage account (VMFXX). Last year VUSXX dividends were 100% exempt from state tax.
* How old are you? What country do you live in? **30, USA** * Are you employed/making income? How much? **Yes, about $73,000** * What are your objectives with this money? (Buy a house? Retirement savings?) **Buy a house** * What is your time horizon? Do you need this money next month? Next 20yrs? **Two years** * What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?) **I'm at about a 7/10 on the risk tolerance scale** * What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?) **$21,131.56 in VFIAX. $3020.60 in VUSXX. $16,490.64 in VFFVX.** * Any big debts (include interest rate) or expenses? **$17,000 car debt at 1.99%.** I just want to know what is the best Vanguard fund to invest in right now? I am receiving $43,000 soon and was thinking of putting $5k into Vanguard Cash Plus, paying off $2k in credit card bills, and the rest will go into some kind of fund like VUSXX.
waiting in VUSXX at the moment. at least i'm not losing money in real terms. that's good enough for me while i await the music stopping in this clown circus game of musical chairs.
would encourage you to look into a money market fund instead like VUSXX
Comparing recent SEC yields: * VUSXX 4.23% default Vanguard Money Market Fund * SPAXX 3.96% default Fidelity Money Market Fund * SGOV 4.17% iShares 0-3 Month Treasury Bond ETF * PULS 4.59% PGIM Ultra Short Bond ETF ETF providers list the latest yields. Fidelity only updates them monthly but does provide daily NAV charts--note differences in early April for impacts of market uncertainty. https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=SGOV https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=PULS
Are you asking about money market mutual funds, like VUSXX, or are you asking about something like a S&P 500 index mutual fund?
So I have 2 accounts, I keep my cash in Marcus HYSA and Vanguard MMA VUSXX. Between the both gives about 4%. When I get a referral for Marcus, get a .25% for 3 months. They are also offering 14 months 4.4% CD. Just might do that too.
That depends on the short term bonds or bond fund and the particular MMF. SGOV and Vanguard's VUSXX MMF are very close in performance. SGOV and VUSXX are all or nearly all state tax exempt. Vanguard's most typical VMFXX MMF is not fully state tax exempt. If you are at Fidelity with their high expense ratios MMFs SGOV has about a 0.2% higher yield. SGOV as an ETF can be bought at any broker. MMFs available are specific to each broker. If you don't have much money in them the 0.2% difference doesn't make much difference.
Currently SGOV and VUSXX return a little over 4% while the Amex HYSA returns 3.7%. Amex doesn't charge you a fee for credit cards.
You can open a brokerage account at Chase and invest in VUSXX or SGOV which is similar to a HYSA. This is what I do. I also have a HYSA with Amex because I have credit cards with them and it's just convenient.
I’m in a similar position. Took some profits in December and January and parked cash in VUSXX (in anticipation of a real estate purchase later this year). Aside from that I’m 40/40/20: US equities, foreign, bonds.
Boring story. Did index funds beginning post dot com and then later bought a lot of Amazon and Netflix stock. Rode that up, sold it and moved it into real estate right after housing market crashed and bought a fixer upper property. Did the BRRR thing property after property, cash out refinancing all along the way. I was shocked how the net cash flow began to add up and was on the trajectory to exceed my my W2 net income. Then in 2020 covid happened and rates dropped, I cash out refinanced everything again at 3.25% or less and locked for 30 yrs, and went on a shopping spree for Quadplexes from distressed landlords who had non paying tenants due to the covid eviction ban etc. Stabilized everything by end of 2021 and cash out refinanced all of the Quadplexes at 4% or less fixed 30 yrs.... and rode the rent appreciation wave up. Now I have around 3 dozen apartments across all properties all at or near market rents generating more net cash flow than my W2 job net salary. Now in coast mode at work just counting down the years before I feel comfortable enough to FIRE. Still doing index funds, still maxing out all tax advantaged accounts as well such as 401K HSA Roth etc, and still shoveling everything else into VUSXX or First Foundation Bank.
VUSXX and First Foundation Bank are both paying about 4.3% currently. Houae down payment funds should not be invested in the stock market
What state and tax bracket are you in? Vanguard has the best money market funds in my opinion. VUSXX currently has a 7-day yield 4.23% (SPAXX has a 7-day yield of 3.98%) and is exempt from state taxes. I am in NY and use VYFXX which is a NY Muni Money Market Fund. Right now it has a 7-day yield of 4.09% and is totally tax exempt (Federal, State, NYC and NIIT)
Yes it is. I dumped ALL of my long-term equities except for BRKB on inauguration day, most everything is now VUSXX. Warren Buffett and Jack Bogle make me hard.
We keep 12mo of expenses spread out in 3 places. VUSXX, HYSA, 2 weeks expenses in paper cash. For those questioning why the paper cash....anyone who went through hurricane sandy would know why paper cash is a must.
Money market with whichever broker you have. VUSXX, SPAXX, or many other options.
End of January I moved all my money out of stuff like S&P500 and into VUSXX treasury money market. Now we're getting fucked just holding USD. Is there a Euro equivalent that can be purchased on Vanguard?
Short term treasuries (VUSXX) are fine
can i piggy back on the break down for a five year old and just ask if something like the vanguard VFSXX is also a safe investment in this environment? it's apparently short term treasury instruments (as opposed to strictly bills/bonds which i guess is VUSXX. also is there a reason to "diversify" in beyond this in this environment (or to put one year living expenses into a HYSA).
What are your thoughts on SGOV vs VUSXX?
It’s just an ETF made up of rolling short term treasuries. VUSXX is similar if you prefer a mutual fund. You could also roll your own ladder if you want to put in the work to squeeze out a few extra dollarbucks.
It's just that easy bud. You can look up the ER on morningstar or similar. You can buy any bonds you want in your IRAs. I've got BND, VUSXX, 30 year TIPs, etc in mine. Go crazy.
If u are in a state tax loving state then get short term t bills or VUSXX or FDLXX if you dont want to mess with buying tbills. There isn't any other answer
I don't think he would have any issue with VUSXX or SGOV, which hold 30 day treasuries. Literally can't get any safer than that for cash balances over FDIC limit with a bank. 4.25% now He is more referring to the money market funds from the big banks that hold commercial paper, which can (and have, on rare occasion), have issues in the even of a contracting liquidity crisis. If you have under FDIC limit, consider First Foundation Bank Online Savings is 4.31% interest rate (APY is even higher) [https://www.firstfoundationinc.com/](https://www.firstfoundationinc.com/) Also local and regional banks sometimes have promos where if you bring in $10,000 of new money or $50,000 of new money, you get a promo rate for 6mo or something. I did that with a regional bank for 5.25% last fall. promo is expired, so they lowered the rate to 4.15% which is still good
I did like the same thing in 2008 and it scared me off from investing, to my serious detriment. The answer is, take this as a lesson, way cheaper to learn now than later. The key going forward is DCA the money you have to invest (e.g. monthly on a particular day of the month) and don't try to wait and time the market (you will end up sitting on your hands until the "right time", which will be when things are more expensive). And you could go 100% US stocks like FXIAX (I'd probably recommend you do like VOO instead, or VTI), or just diversify a bit (Maybe 60% US stocks via VTI, 30% international with VXUS, and 10% money market via like VUSXX...or just 90% VT, which is US and international, and 10% VUSXX). But your friend here will be monthly averaging and decades of growth.
VUSXX depending on the state income tax you have, savings could be significant
I sold all US equities and I currently have no equities at all. Just gold, VUSXX, and SPXU.
3 months seems optimistic. I liquidated at end of January, put everything in VUSXX, not planning on buying back in any time soon
Moved into VUSXX, tbills, some GSE bonds, EUAD (after he threw Ukraine and EU under the bus), VXUS, VGK. Coincidentally, I moved a small Roth into BRK.b around that time - it was doing fine until the last couple of trading sessions, though not down as much as the market.
Selling low, holding cash while Trump wants the Fed to lower interest rates. Lose lose. Eventually those people will miss the boat waiting for a bittom and lose again. My cash position is basically my bonds (7% bonds, 20% VUSXX). I'm buying every 3-5%dip with 1% chunks from my cash until I get to late 2021 prices.. almost there now. Further drops towards 2022 lows might make me buy in higher % chunks. I'm not timing the bottom, just averaging down with a goal to keep 10% cash for emergencies and/or bridge early retirement if there isn't a multi year recession.
Given the reasons for the drop, and the fact those reasons will still happen for the next 4 years, I would buy CDs, 2 year and 1 year are about 4.3% now. VFMXX and VUSXX are about 4.2%. So half in CDs, half in govt short term mm and take that half and DCA over the next 24 months. And I would call that an aggressive strategy. Likely buying ten year treasuries for all of it would put you ahead of any other strategy ten years from now. I had a very similar decision to make in Jan of 2000 when I earned an after tax $350,000 bonus at age 55. I bought $250,000 of tech stocks as my territory was Silicon Valley and that was what I knew best. With the other $100,000 I bought a couple of Corvettes. 3 years later I cashed out the $250,000 of stocks for their prevaling value at that time of $35,000. The Corvettes however were worth pretty much what I paid for them as they were both vintage. Don't be a me.
Had $100k to invest today, bought $10k VTSAX, $80k VUSXX, $6k VBTLX and $6k NVDA. Was going buy $4k VTIAX but I think this lags the US market. (Overall $20k 70-30 in boglehead method and the rest in VUSXX.
One easy optimization would be to use a treasury money market/EFT fund which would save you state/local income taxes. E.g. Vanguard's [`VUSXX`](https://investor.vanguard.com/investment-products/mutual-funds/profile/vusxx) money market fund which is at `4.24%`, or their [`VBIL`](https://investor.vanguard.com/investment-products/etfs/profile/vbil) which is basically the same thing but in ETF form.
FDRXX, VMFXX, and VUSXX to name a few.
If VUSXX goes down, it means the dollar is done Every currency in the world is backed by the dollar (yes even Bitcoin via Tether) so if the dollar is done, investing is done There's no "safe asset" that would survive a US treasuries crash. None. At that point financial investing is over and hoarding high value physical assets until the global financial markets reset would be the only option.
I wouldn't worry about VUSXX. If that lost value it would mean we're cooked - there wouldn't be a "safe investment" to go to. At that point the stock market would be destroyed, bond market destroyed, and the dollar would be losing value. Theres not much else besides holding gold and silver maybe or trying to find another government currency that is holding up but if it got that bad they're all going down.
Good move. End of January I sold every position I had and moved 100% of my funds into VUSXX
I don’t think anyone has ever lost anything in VUSXX. When are you jumping back in?
In January I moved 100% of everything to VUSXX
SGOV and VUSXX is what I am using...
Think they’ll change the ticker from VUSXX to VSUXX at that point?
I believe you’re correct. Using 10k as an example, you’d gain $370 in your HYSA and $412 ($423 - $11) in your MM. You could also use a MM fund like VUSXX, which has a GER of 0.07%.
Money market accounts will likely remain safe however the one thing to keep in mind about money market accounts is with the new regulations, during times of market stress if a lot of people are trying to redeem all at once you could be charged liquidity fees when trying to access your money, who’s to say how long this could go on for in a highly stressed period so just keep that in mind, I hold a small position in VUSXX, about $15k but I prefer to keep most of my cash position directly in short-dated T-bills which can easily be sold on the secondary market with pretty tight spreads, is one safer than the other? Hard to say but I like having the direct control of holding my own T-bills personally for the majority of my position
Turns out I confused the two funds. In reality, my funds are in VUSXX as well.
Most people are asking: "With all that's going on, my wife is asking if we should move everything to VMFXX". I've got many times that amount sitting in preferable VUSXX. If the gov't can no longer print money to pay me back, my account balances will be the least of my worries (not that I'll be able to check them).
VMFXX, VUSXX or SPAXX all good.
Reserves. Specifically VUSXX.
VUSXX state tax is not as clear cut and depends on your state of residence because it does not invest 100% in treasuries. You need to check your own state and local taxes so you don't get a surprise.
SGOV, VUSXX, etc.
Open up a vanguard brokerage if you havent already, and put the money in VUSXX. Its a money market fund that invests in short term treasuries. No state taxes (unlike a hysa) and still super safe.
Not going to lie, I dont believe in bonds for first half of investing time line. I believe in being super aggressive. As of now I hold no bonds. I do have a VUSXX fund for that "safety" piece of my portfolio but I won't start moving into bonds for another 10 years. I think starting out in early 20s with the classic 60-40 stock to bond split is wayyyy conservative for modern markets
I don't know which way rates are headed, but I do know my MM (VUSXX) is state tax free.
I went in a little at the open for good companies. Most of my capital still sits in VUSXX.
Yes a few weeks I sold literally all of my US equities. I’ve been in EUAD and TSLZ, which have been great. GLDM which has been stable. And VUSXX. Since I made the move my whole portfolio is up about 10% thanks to EUAD and especially TSLZ lol. I really despise Trump so maybe I’m a broken clock that’s correct at the moment but I am not planning to start buying soon. I think the markets are going to be the least of our problems.
VUSXX is state tax free and 4.25%
Moderate to low risk on this time horizon means a lot of fixed income (VUSXX, HYSA, etc.) - about 50% of the portfolio with the rest invested in the low expense index fund (VOO or VTI). No individual stocks or, god forbid, cryptocurrency.
SGOV and VUSXX both currently have returns above 4%
Avoid individual stocks, and random bits of the market like QQQ and SCHD. Own only total market funds. Especially if you may need this money in the short term, hold plenty of bonds (BND) and cash (VUSXX or similar). \>when to actually invest. Always invest ASAP, based on your risk tolerance. Time in the market, not tim-ing the market.