Search found 3178 matches
- Sun Mar 10, 2024 12:26 pm
- Forum: Personal Investments
- Topic: Inherited IRA Rule Clarification
- Replies: 10
- Views: 1028
Re: Inherited IRA Rule Clarification
What clarification? Are we waiting for a clarification of the clarification to the original clarification- and counting ?
- Fri Mar 08, 2024 3:24 pm
- Forum: Investing - Theory, News & General
- Topic: Why is Vanguard so bullish on international exposure in their all-in-one funds?
- Replies: 77
- Views: 6891
Re: Why is Vanguard so bullish on international exposure in their all-in-one funds?
There are theoretical reasons for owning International especially to increase diversification. Where does this diversification boundary reach its limit and what other sectors should one keep buying to be "all-inclusive" in addition to national and international equities? US holdings only have proven satisfactory and sufficient for me.
- Tue Mar 05, 2024 2:35 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Customer Service Mega-thread
- Replies: 1514
- Views: 169428
Re: Vanguard Flagship calls
FYI. I called VG today regarding some discrepancies on my tax form, after going thru the menu I was expecting a long wait especially since it was tax season, but I was pleasantly surprised (shocked!) that someone picked up the line within about 30-seconds. Based on the person I was talking to at VG, my call was on a "priority" list since I am a flagship member. He said that flagship call priority answering was on-again off-again but for now at least it is ON. I just called the regular contact phone number on their website. And he said he was familiar with the Bogleheads forum. I'm not surprised. I get excellent customer service from Vanguard when I call and have for at least the last several years. Like most things in life, you g...
- Thu Jan 25, 2024 4:15 pm
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43315
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Congratulations, Taylor. Today, you turned 100 (initially I typed 1000 !) What you have contributed to the investment community, the Vanguard family, and especially to newbies like me has been precious.Thank you.
- Thu Jan 25, 2024 11:11 am
- Forum: Personal Finance (Not Investing)
- Topic: Washington Post: "That 'free' annual checkup might cost you"
- Replies: 112
- Views: 11913
Re: Washington Post: "That 'free' annual checkup might cost you"
As a retired physician, I am now convinced that our medical care system needs to change to Medicare for All. Get rid of the medical insurance companies. Their purpose is to make money for shareholders and not service to patients. The non-profits call their profit "retained earnings".
- Wed Jan 10, 2024 9:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where do you bank and why? 2024 Edition
- Replies: 113
- Views: 15408
Re: Where do you bank and why? 2024 Edition
Umpqua Bank, Oregon, and Marcus at Goldman Sachs.
- Fri Jan 05, 2024 9:45 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard: "Important: We've been unable to reach you by email"
- Replies: 129
- Views: 15253
Re: Vanguard: "Important: We've been unable to reach you by email"
Any email I receive with the sentence "we've been trying to reach you" is spam until proven otherwise. I can always be reached by phone or by US mail to validate questionable emails. Or even better, call the sender organization and check if there really is an issue or not. I've never received an email from Vanguard with that message.
- Fri Dec 29, 2023 9:52 pm
- Forum: Personal Investments
- Topic: Vanguard closing mutual fund prices for Dec 29?
- Replies: 168
- Views: 38302
Re: Vanguard closing mutual fund prices for Dec 29?
Since in addition to the weekend, Monday is a holiday, will the dividends and interest earned etc all be included in the values on the web site for the personal accounts before Tuesday morning?
- Sat Dec 09, 2023 7:39 pm
- Forum: Personal Investments
- Topic: VBTLX - Am I looking at this fund incorrectly for long term investing?
- Replies: 60
- Views: 8659
Re: VBTLX - Am I looking at this fund incorrectly for long term investing?
I am an 86 year old widower retiree. I dropped VBTLX 2-3 years ago when bond funds like it started tanking. I have kept the fixed income portion of my portfolio in a Vanguard MM fund (55%) and the equity portion in VTSAX (45%). They both are in a TIRA. The VTSAX segment is for my heirs and I don't touch it. The MM fund is for my personal living expenses. For my age and expected longevity, this feels like a comfortable portfolio.
- Sun Nov 12, 2023 7:54 pm
- Forum: Personal Investments
- Topic: What’s up with TIPS funds?
- Replies: 87
- Views: 10533
Re: What’s up with TIPS funds?
Thank you.watchnerd wrote: ↑Sun Nov 12, 2023 7:49 pm"may or may not"?
I wouldn't put it that way.
In the event of unexpected inflation, TIPS will mathematically give a higher return than nominal bonds.
That's what you're buying.
And that's exactly what we have seen in recent conditions.
If inflation is exactly as expected, it's a tie. And if inflation is less than expected, nominal bonds will do better.
- Sun Nov 12, 2023 7:16 pm
- Forum: Personal Investments
- Topic: What’s up with TIPS funds?
- Replies: 87
- Views: 10533
Re: What’s up with TIPS funds?
I think many of us assumed that TIPS "protects" one from inflation as advertisements tell us. In fact, they may, or may not, have a better track record compared to nominal bond funds would have been a more accurate statement. Is this correct?
- Sun Nov 12, 2023 2:23 pm
- Forum: Investing - Theory, News & General
- Topic: "Safe" Income Options in retirement years 1-5
- Replies: 19
- Views: 4239
Re: "Safe" Income Options in retirement years 1-5
For a $125K portfolio of 1-5 years, I would want to avoid bookkeeping and transfer hassles by leaving it in a Vanguard Money Market fund (for now) such as VUSXX or VMFFX.
- Sat Nov 11, 2023 1:04 pm
- Forum: Investing - Theory, News & General
- Topic: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
- Replies: 9
- Views: 1585
Re: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
Title corrected (I think). Thank you for pointing it out.
- Sat Nov 11, 2023 12:26 pm
- Forum: Investing - Theory, News & General
- Topic: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
- Replies: 9
- Views: 1585
Re: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
Thank you for all the detailed responses. I did transfer to VMFXX.
- Thu Nov 09, 2023 3:26 pm
- Forum: Investing - Theory, News & General
- Topic: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
- Replies: 9
- Views: 1585
Re: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
DOC: can you be more clear and concise in your reply? Did you mean to say "no"?
- Thu Nov 09, 2023 3:00 pm
- Forum: Investing - Theory, News & General
- Topic: VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
- Replies: 9
- Views: 1585
VUSXX vs. VMFXX in A Traditional IRA (State Taxes Not an Issue)
Is there any drawback to having the settlement fund (VMFXX) act as my main MMFund in a brokerage traditional IRA over using VUSXX which needs to have outgoing funds go through VMFXX anyway thus adding an extra step and more numbers to deal with? 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.
- Fri Oct 13, 2023 4:29 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard -- "Are Bonds a Good Investment Right Now?
- Replies: 66
- Views: 14796
Re: Vanguard -- "Are Bonds a Good Investment Right Now?
A word of caution. Be careful not to sound like the band that kept playing while the Titanic was sinking. Maybe it all depends on one's time horizon.
- Tue Oct 10, 2023 3:56 pm
- Forum: Investing - Theory, News & General
- Topic: Money Markets Can Replace All Fixed Income - Bengen
- Replies: 45
- Views: 7166
Re: Money Markets Can Replace All Fixed Income - Bengen
I'm a retiree in the distribution phase. My portfolio is mostly in my Traditional IRA and consists of Total Stock Market Index (VTSAX) and Vanguard US Treasury MM (VUSXX).
- Sat Sep 23, 2023 2:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
- Replies: 78
- Views: 12340
Re: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
I agree with you on their web design but I don't use their services since I invest in two funds only and rarely change them. So I cannot assess their personal service. I like their low fees and simplicity (for me). I've been a Vanguard customer for 40 years if my memory serves me right (I'm 86).
- Fri Sep 22, 2023 11:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's Your View Of the Fidelity 2% Cash Back Visa Credit Card
- Replies: 78
- Views: 12340
- Fri Sep 22, 2023 12:22 pm
- Forum: Investing - Theory, News & General
- Topic: Why wouldn't you at least temporarily choose a high interest account over a total bond fund?
- Replies: 27
- Views: 3126
Re: Why wouldn't you at least temporarily choose a high interest account over a total bond fund?
This.LeftCoastIV wrote: ↑Fri Sep 22, 2023 11:46 am In my view, fixed income investing is about which risks you are willing to accept and which risks you want to avoid.
We buy 6 month t bills.
I accept reinvestment risk in order to avoid duration risk.
- Wed Sep 20, 2023 9:02 pm
- Forum: US Chapters
- Topic: "BogleDocs" Chapter for Physicians & Healthcare Professionals - Please Respond if Interested!
- Replies: 66
- Views: 13155
- Mon Sep 11, 2023 11:45 pm
- Forum: Personal Investments
- Topic: VBIAX. Why not?
- Replies: 70
- Views: 11557
Re: VBIAX. Why not?
You see it if you do this: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2021&firstMonth=1&endYear=2023&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=4&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfol...
- Mon Sep 11, 2023 12:25 pm
- Forum: Personal Investments
- Topic: VBIAX. Why not?
- Replies: 70
- Views: 11557
Re: VBIAX. Why not?
I too like VBIAX. I wonder how it compares with a 60:40 VTSAX/VUSXX (Treasury MMF) portfolio- maybe on a short-term basis? Portfolio Visualizer suggests CAHSX for short-term Treas. (I can't get VUSXX to work for longer-term comparison). https://i.postimg.cc/qMJw1zpw/no-VUSXX.gif So here's Vanguard Balanced vs. TSM/CASHX 60/40. VBIAX = blue line VTSAX + CASHX = red line https://i.postimg.cc/dtwHg5j8/Blanced-vs-Treas.gif Since the equity part of these two portfolios is identical or near identical, one can conclude that difference in performance is due to the fixed income segment. The cash is supposed to have performed better in the last 1-2 years or so over intermediate bonds, but I don't see it showing in the graph. What am I missing?
- Sat Sep 09, 2023 6:20 am
- Forum: Personal Investments
- Topic: VBIAX. Why not?
- Replies: 70
- Views: 11557
Re: VBIAX. Why not?
I too like VBIAX. I wonder how it compares with a 60:40 VTSAX/VUSXX (Treasury MMF) portfolio- maybe on a short-term basis?
- Fri Sep 01, 2023 6:02 pm
- Forum: Investing - Theory, News & General
- Topic: Cash is a terrible long-term investment
- Replies: 369
- Views: 40275
Re: Cash is a terrible long-term investment
- Fri Sep 01, 2023 3:42 pm
- Forum: Investing - Theory, News & General
- Topic: Cash is a terrible long-term investment
- Replies: 369
- Views: 40275
Re: Cash is a terrible long-term investment
I agree with Caudia and with Mopar. Actually, I have ended up with two buckets: one is all Total Stock Market Index fund (45% of portfolio) for my heirs and the remaining 55% is cash (VUSXX at this time) for me to use in my lifetime as needed. I am 86 years old with limited spending habits and my health is marginal. Yes, I sleep well at night (and during the day too) .
- Mon Aug 28, 2023 3:38 pm
- Forum: Personal Investments
- Topic: Money Market Funds - VMRXX / VMFXX / VUSXX - Which to invest in?
- Replies: 15
- Views: 6588
Re: Money Market Funds - VMRXX / VMFXX / VUSXX - Which to invest in?
If the assets in question are all in a traditional IRA, then the issue of state taxes is moot. In such a case, which of the three funds is considered most "safe" in the event of a major market crash?
- Fri Aug 25, 2023 3:05 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11149
- Views: 2085176
Re: What Movie Have You Recently Watched?
"The Graduate" 1967 and "The Crying Game" 1992. Totally different films, Both very well-done. PS: I will not watch a movie that does not have subtitles. I figure that most people who want to see The Graduate have done so, but just in case, spoiler alert. I saw The Graduate in Francoist Spain. It was a religious country. I couldn’t understand the end of the movie, when Dustin Hoffman rode a bus to the church where his beloved was getting married to someone else, and then, with no intervening exposition (not even a voiceover) he and she were shown beginning their happily ever after. [b ]Revision added to my comments by Munir: Those were the days when love triumphed over everything- especially semi-arranged marriages.I had...
- Fri Aug 25, 2023 3:00 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11149
- Views: 2085176
- Fri Aug 25, 2023 2:16 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11149
- Views: 2085176
Re: What Movie Have You Recently Watched?
"The Graduate" 1967 and "The Crying Game" 1992. Totally different films, Both very well-done.
PS: I will not watch a movie that does not have subtitles.
PS: I will not watch a movie that does not have subtitles.
- Tue Aug 22, 2023 3:23 pm
- Forum: Personal Consumer Issues
- Topic: Hearing aids from miracle ear
- Replies: 6
- Views: 741
Re: Hearing aids from miracle ear
When mine work only intermittently, it usually is due to wax causing blockage. You (or the place where you purchased them) usually clean them for free or at least show you how to do it. Mine need it about every 2-3 months.. But if it's due to wax, then I would think they would not come back again "intermittently." Not sure what the actual problem is. Why not? Wax accumulates normally in the ear canal but the rate of accumulation is variable for different individuals. It takes only a small scraping of wax while inserting the hearing aid into the ear to cause blockage of the tubing in the hearing aid. Talk to your hearing aid dealer about it on the phone. It may be a different story if your hearing aids do not have any tubing at all.
- Tue Aug 22, 2023 1:51 pm
- Forum: Personal Consumer Issues
- Topic: Hearing aids from miracle ear
- Replies: 6
- Views: 741
Re: Hearing aids from miracle ear
When mine work only intermittently, it usually is due to wax causing blockage. You (or the place where you purchased them) usually clean them for free or at least show you how to do it. Mine need it about every 2-3 months..
- Tue Aug 15, 2023 2:51 pm
- Forum: Personal Consumer Issues
- Topic: Maui Visit - Planning Considerations
- Replies: 120
- Views: 18356
Re: Maui Visit - Planning Considerations
A catastrophe of this magnitude will leave physical and human scars for many months if not 1-2 years. If one wants to have fun on their vacation, Maui is not the place at this time. Many people have lost their homes, belongings, family members and friends. If one of going there to help rebuild the place is different than someone going for a vacation of '"fun".
- Tue Aug 01, 2023 4:07 pm
- Forum: Personal Investments
- Topic: Total bond fund vbtlx
- Replies: 79
- Views: 9933
Re: Total bond fund vbtlx
It seems that often when an investor wants to move out of a losing investment, the emotionally-loaded expressions are hurled at him of market timing and/or recency bias. I am sure that there are situations when these accusations have validity, but aren't there also situations when unloading a losing investment is justifiable?
- Sun Jul 30, 2023 5:16 pm
- Forum: Personal Consumer Issues
- Topic: Is Speed Queen still the "King" of washing machines?
- Replies: 45
- Views: 12144
- Fri Jul 28, 2023 9:59 am
- Forum: Personal Investments
- Topic: Transferring out from Vanguard after a week
- Replies: 64
- Views: 8477
Re: Transferring out from Vanguard after a week
It's good to see people defending Vanguard on this web site- even only occasionally.
- Thu Jul 27, 2023 11:11 am
- Forum: Personal Investments
- Topic: Bond Advice
- Replies: 18
- Views: 1834
Re: Bond Advice
How do you know? i.e. what facts have lead you to this conclusion?
- Wed Jul 26, 2023 6:36 am
- Forum: Personal Investments
- Topic: VUSXX vs VMFXX
- Replies: 9
- Views: 2310
Re: VUSXX vs VMFXX
On a related subject, are these two funds VUSXX and VMFXX, equally SAFE in case of a major market/economic crash? I assume their assets are not protected by any governmental body nor by an insurance entity.
- Sun Jul 16, 2023 6:57 pm
- Forum: Investing - Theory, News & General
- Topic: 8 Things you need to know about bonds at AARP
- Replies: 15
- Views: 2401
Re: 8 Things you need to know about bonds at AARP
This forum is not exclusively composed of whiz-kids and finance experts but also of investors who are less sophisticated on the subject. i hope we can all dispense with sarcastic condescending remarks of how much we know and treat all members in a polite and civil fashion.
- Mon Jul 10, 2023 11:13 pm
- Forum: Investing - Theory, News & General
- Topic: Bogleheads' Over 85 Equity Position
- Replies: 64
- Views: 9521
Re: Bogleheads' Over 85 Equity Position
A Headline and article on the digital issue of today's Wall Street Journal Markets reads: "America’s Retirees Are Investing More Like 30-Year-Olds At Vanguard, one-fifth of taxable brokerage account investors aged 85 or older have nearly all their money in equities". I wonder where the majority of Bogleheads over 85 would land- in the 20% group or the 80%? That leads me to wonder how many Bogleheads who post on this forum are over 85? Do we know? I am 86 and currently have only 44% in equities (Total Stock Market Fund). How many (what percentage) of their 85-year-old clients have brokerage accounts? It's a misleading headlline that obviously got some people to click on it. Non-news. I am a Vanguard client with two inactive Vangua...
- Fri Jul 07, 2023 4:24 pm
- Forum: Personal Investments
- Topic: Bond recommendation for an 18-year old
- Replies: 68
- Views: 5022
Re: Bond recommendation for an 18-year old
I agree . No bonds for an 18 year old- should be all equities with Vanguard Total Stock Market Index.renegade06 wrote: ↑Thu Jul 06, 2023 6:39 am I would recommend 0 bonds for an 18-year-old and instead put that money into Total Market (VTI). He is way too young for bonds and that money will grow faster.
If you insist on bonds, I would not use either of those options. I'd go for BND (total bond index).
- Fri Jul 07, 2023 3:26 pm
- Forum: Investing - Theory, News & General
- Topic: Bogleheads' Over 85 Equity Position
- Replies: 64
- Views: 9521
Re: Bogleheads' Over 85 Equity Position
The above was a quote from an article in the WSJ and not by me. I don't know why the authors limited this article to "taxable brokerage accounts" only.
- Wed Jul 05, 2023 6:17 pm
- Forum: Investing - Theory, News & General
- Topic: Bogleheads' Over 85 Equity Position
- Replies: 64
- Views: 9521
Re: Bogleheads' Over 85 Equity Position
Munir: By purchasing two Single Premium Immediate Annuities (SPIAs), in addition to my pension and social security, I have more income than I spend. Accordingly, my "equity position" is almost immaterial (It's about 50% stocks/50% bonds in The Three-Fund Portfolio ). Best wishes. Taylor Jack Bogle's Words of Wisdom : "Choose a balance of stocks and bonds according to your unique circumstances--your investment objective, your time horizon, your level of comfort with risk, and your financial resources." Thank you Taylor for your comments. I agree with you and had purchased four small SPIAs in my seventies. The only drawback is that when one dies, usually nothing is left for the heirs. I did add the clause at that time whi...
- Wed Jul 05, 2023 3:57 pm
- Forum: Investing - Theory, News & General
- Topic: Anyone still favor Vanguard?
- Replies: 359
- Views: 48971
- Wed Jul 05, 2023 3:43 pm
- Forum: Investing - Theory, News & General
- Topic: Bogleheads' Over 85 Equity Position
- Replies: 64
- Views: 9521
Re: Bogleheads' Over 85 Equity Position
In the not too distant past, many people considered anyone over 60 (and definitely over 70) as "Old". Modern medicine and medications have changed that dramatically whereby one has to be over 85 (and usually 90 or more) to be considered old.I live in a retirement community and am amazed at the number of "active" aged individuals- physically and mentally. A majority are affluent and some very affluent. (Of course, people may disagree on what affluent means). A few over 100 are not unusual anymore. Financial planners now aim for longevity in the upper nineties when drawing up financial plans for retirees.
- Wed Jul 05, 2023 2:20 pm
- Forum: Investing - Theory, News & General
- Topic: Bogleheads' Over 85 Equity Position
- Replies: 64
- Views: 9521
Bogleheads' Over 85 Equity Position
A Headline and article on the digital issue of today's Wall Street Journal Markets reads:
"America’s Retirees Are Investing More Like 30-Year-Olds
At Vanguard, one-fifth of taxable brokerage account investors aged 85 or older have nearly all their money in equities".
I wonder where the majority of Bogleheads over 85 would land- in the 20% group or the 80%? That leads me to wonder how many Bogleheads who post on this forum are over 85? Do we know? I am 86 and currently have only 44% in equities (Total Stock Market Fund).
"America’s Retirees Are Investing More Like 30-Year-Olds
At Vanguard, one-fifth of taxable brokerage account investors aged 85 or older have nearly all their money in equities".
I wonder where the majority of Bogleheads over 85 would land- in the 20% group or the 80%? That leads me to wonder how many Bogleheads who post on this forum are over 85? Do we know? I am 86 and currently have only 44% in equities (Total Stock Market Fund).
- Thu Jun 22, 2023 11:01 am
- Forum: Personal Investments
- Topic: Two fund portfolio?
- Replies: 12
- Views: 2859
Re: Two fund portfolio?
I am 86. I expect to die by age 90 at the latest. My portfolio, nearly all in my TIRA, is VTSAX (Vanguard Total Stock Market Index) and Vanguard US Treasury MMF (VUSXX). The former is for my heirs and the latter for gifting to my heirs and for my expenses. Hi Munir - Jack Bogle and Warren Buffett would be pleased with your portfolio! Simple stock fund and cash. While an alternative point of view may state you are missing different areas of the investment universe (i.e. international, bonds, etc.), your strategy really does remove the temptation and complexity of holding multiple funds. No one knows in advance which strategy will perform best. However, being able to sleep at night and stay the course is most important. Best. Tony Hi Tony, I...
- Thu Jun 22, 2023 10:25 am
- Forum: Personal Investments
- Topic: Two fund portfolio?
- Replies: 12
- Views: 2859
Re: Two fund portfolio?
I am 86. I expect to die by age 90 at the latest. My portfolio, nearly all in my TIRA, is VTSAX (Vanguard Total Stock Market Index) and Vanguard US Treasury MMF (VUSXX). The former is for my heirs and the latter for gifting to my heirs and for my expenses.
- Wed Jun 21, 2023 4:04 pm
- Forum: Personal Investments
- Topic: Switching to Treasury MM from Cash Reserves Federal Money Market Fund
- Replies: 17
- Views: 2709
Re: Switching to Treasury MM from Cash Reserves Federal Money Market Fund
Isn't the settlement fund called VMFFX which is not the cash reserve money market fund?erishera wrote: ↑Wed Jun 21, 2023 10:30 am I had previously managed my cash in the money market fund that Vanguard defaults for the settlement of transactions. I think it is Cash Reserves Federal Money Market Fund. With interest rates moving higher, and the interest income generated in this fund being subject to state income tax (last year ~50% was state tax free), does it make sense to shift to Treasury MM. It appears to be 100% state tax free. At least it was last year (subject to repurchase agreement volume)?
Am I missing anything?