Search found 3178 matches

by Munir
Fri Feb 10, 2023 10:23 am
Forum: Personal Investments
Topic: Vanguard Money Market Funds - Differences in Returns?
Replies: 410
Views: 79280

Re: Vanguard Money Market Funds - Differences in Returns?

If the VUSXX fund is in a traditional IRA, then the question of state taxes, repos, etc is moot. One goes with the highest rate among these MM funds. Is this correct?
by Munir
Thu Feb 09, 2023 5:37 pm
Forum: Personal Investments
Topic: What % cash in portfolio?
Replies: 146
Views: 18104

Re: What % cash in portfolio?

Retired in distribution stage. Portfolio all in IRA with cash (VUSXX) at 49%
by Munir
Tue Feb 07, 2023 11:12 am
Forum: Personal Investments
Topic: Sell BND fund in IRA? Or hold?
Replies: 7
Views: 835

Re: Sell BND fund in IRA? Or hold?

I just bought some VBTLX and VBILX for diversification otherwise I am remaining in cash (VUSXX), and VTSAX for equities.
by Munir
Thu Feb 02, 2023 12:23 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

ruralavalon wrote: Thu Feb 02, 2023 10:57 am
miket29 wrote: Tue Jan 31, 2023 6:14 pm
Munir wrote: Tue Jan 31, 2023 5:19 pm (Revised): This brings up the question for those of us who have large MM assets as to when (or if) should some of these assets be transferred to short or intermediate bond funds? The Total Bond Market Index fund is up 3.2% this month (year) while all three Vanguard MM funds are up 0.36%.
Many people who try market timing end up buying after a good part of the rise already occurred and then selling near the low as they try to bail out of a dropping position. Maybe your luck/skill will be better.
This is my reason for staying with intermediate-term bond funds, and not trying to time the bond market.
There is more than one road to Dublin. I don't like the potholes along the way and prefer to stay safe.
by Munir
Tue Jan 31, 2023 9:19 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

To both last two posts: I gradually got out of intermediate bonds in the fall of 2021 when they started crashing. I had never seen them go down so far and so fast. I moved all my fixed income funds to the Vanguard US Treasury MM fund (VUSXX) and held on to VTSAX (Total Stock Market Index) which I plan to leave to my heirs. I've been waiting for interest rates to start leveling off at which time I will start moving funds gradually from the MMF to VBTLX and VBILX. I never have and will not own long term bond funds (I'm an 85 year old widower). I never make sudden large moves. I want to leave my kids some inheritance but also have enough funds to take care of me if I need hospice and private nursing care at the end.
by Munir
Tue Jan 31, 2023 7:30 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

My portfolio is 40% Total Stock Market Index (VTIAX) and 60% MM fund (VUSXX)- but looking at intermediate bond funds now which is what I have always had in the past.
by Munir
Tue Jan 31, 2023 6:40 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

(Revised): This brings up the question for those of us who have large MM assets as to when (or if) should some of these assets be transferred to short or intermediate bond funds? The Total Bond Market Index fund is up 3.2% this month (year) while all three Vanguard MM funds are up 0.36%. Many people who try market timing end up buying after a good part of the rise already occurred and then selling near the low as they try to bail out of a dropping position. Maybe your luck/skill will be better. What you describe is the traditional BH premise.This can be expanded or revised (in my opinion) depending on the individual circumstances. If you have a long time-line then it would be very appropriate for it. For shorter time- lines, I may want to ...
by Munir
Tue Jan 31, 2023 5:19 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

sport wrote: Tue Jan 31, 2023 5:06 pm I had extra cash in my MM fund left over from my RMD. I put it into Vanguard Intermediate Term Treasury Index Fund. If interest rates go down, my bond fund will increase in value while my MM fund will earn a lower yield. Of course, that may not happen any time soon.
(Revised): This brings up the question for those of us who have large MM assets as to when (or if) should some of these assets be transferred to short or intermediate bond funds? The Total Bond Market Index fund is up 3.2% this month (year) while all three Vanguard MM funds are up 0.36%.
by Munir
Tue Jan 31, 2023 4:30 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

Have approximately $100k in Federal Money Market Fund with Vanguard. Currently my AA is 40% Equities/60% Fixed in four fund portfolio: Total Stock Market (VTSAX), Total International Stock Market (VTIAX), Total International Bond Market (VTABX), Total Bond Market (VTBLX). I know I was not being totally Bogleheaded but that cash was placed in the settlement fund at the start of the 2020 downturn. My question is was looking to maybe place it in Tips (VIPSX) but doesn't seem to be performing much better than the MMF. Would a better move be just to put 1/4 in each of my four funds? If it were mine, I would leave it in the MM. You are already well-diversified, and it wouldn't hurt to have some cash in a MM till later this year to see how the ma...
by Munir
Tue Jan 31, 2023 1:15 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

Have approximately $100k in Federal Money Market Fund with Vanguard. Currently my AA is 40% Equities/60% Fixed in four fund portfolio: Total Stock Market (VTSAX), Total International Stock Market (VTIAX), Total International Bond Market (VTABX), Total Bond Market (VTBLX). I know I was not being totally Bogleheaded but that cash was placed in the settlement fund at the start of the 2020 downturn. My question is was looking to maybe place it in Tips (VIPSX) but doesn't seem to be performing much better than the MMF. Would a better move be just to put 1/4 in each of my four funds? If it were mine, I would leave it in the MM. You are already well-diversified, and it wouldn't hurt to have some cash in a MM till later this year to see how the ma...
by Munir
Tue Jan 31, 2023 1:04 pm
Forum: Personal Investments
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 3498

Re: Vanguard Federal Money Market Fund

Have approximately $100k in Federal Money Market Fund with Vanguard. Currently my AA is 40% Equities/60% Fixed in four fund portfolio: Total Stock Market (VTSAX), Total International Stock Market (VTIAX), Total International Bond Market (VTABX), Total Bond Market (VTBLX). I know I was not being totally Bogleheaded but that cash was placed in the settlement fund at the start of the 2020 downturn. My question is was looking to maybe place it in Tips (VIPSX) but doesn't seem to be performing much better than the MMF. Would a better move be just to put 1/4 in each of my four funds? If it were mine, I would leave it in the MM. You are already well-diversified, and it wouldn't hurt to have some cash in a MM till later this year to see how the ma...
by Munir
Thu Jan 26, 2023 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Steering through the shoals of IRMAA past the SS Tax Torpedo
Replies: 196
Views: 22970

Re: Steering through the shoals of IRMAA past the SS Tax Torpedo

A very valuable thread. I am an 85 year old widower with 95% of my portfolio in a traditional IRA (a mistake, I know). I just received my new year's social security benefits statement for 2023 and my monthly benefit is less than last year because of these IRMAA and Medicare deductions. I want to consult an advisor who is knowledgeable in these issues (like many are on this thread) but am not sure what kind of credentials should such an advisor have. I prefer just a one-time fee-only advisor. If this is too much of a digression to the topic, I apologize. You could ask on BHs but I'd start a new thread. Since the IRMAA jumped this year for you, did you do a conversion or was it just a progression in RMDs? Are you interested in leaving an inh...
by Munir
Thu Jan 26, 2023 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Steering through the shoals of IRMAA past the SS Tax Torpedo
Replies: 196
Views: 22970

Re: Steering through the shoals of IRMAA past the SS Tax Torpedo

A very valuable thread. I am an 85 year old widower with 95% of my portfolio in a traditional IRA (a mistake, I know). I just received my new year's social security benefits statement for 2023 and my monthly benefit is less than last year because of these IRMAA and Medicare deductions. I want to consult an advisor who is knowledgeable in these issues (like many are on this thread) but am not sure what kind of credentials should such an advisor have. I prefer just a one-time fee-only advisor. If this is too much of a digression to the topic, I apologize.
by Munir
Mon Jan 23, 2023 5:10 pm
Forum: Personal Investments
Topic: Where should I move to from Vanguard?
Replies: 75
Views: 9156

Re: Where should I move to from Vanguard?

JIMX7 wrote: Mon Jan 23, 2023 2:44 pm I have had Vanguard over 30yrs and have never had any problems even when they transferred my other stocks to my account. Most hold times when I call are under 10 minutes.
Agree. I also have been a customer over 30-40 years. Happy with their service but not as much with their "new" web site.
by Munir
Mon Jan 23, 2023 4:11 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 1156
Views: 151972

Re: What is your age and asset allocation ?

85 year old widower. Equities 42% (Total Stock Market Index VTSAX) : cash 58% (Treasury MM VUSXX).

PS: How about asking the same questions of people over 80 or 85?
by Munir
Mon Jan 23, 2023 4:03 pm
Forum: US Chapters
Topic: 🎊Happy 99th Birthday to Taylor Larimore🎉
Replies: 247
Views: 15941

Re: 🎊Happy 99th Birthday to Taylor Larimore🎉

Happy birthday, Taylor. I am 85 and keep trying to catch up with you but somehow can never do it. Oh sigh! Keep enjoying the sunsets over the water.
by Munir
Sat Jan 21, 2023 5:05 pm
Forum: Personal Investments
Topic: Why does Vanguard target retirement have 40% of equities in international?
Replies: 40
Views: 4172

Re: Why does Vanguard target retirement have 40% of equities in international?

Are there any studies that demonstrate when over-diversification crosses a red line and becomes counter-productive-or vice-versa? If I remember correctly, the S&P 500 and the Total Stock Market Index have similar results longterm. Are there any studies showing that adding Total International will add to the performance or is it only a concept under the umbrella that the more diversification the better is the performance?
PS: I am too chicken myself to stick with S&P 500 and I own the Total Stock Market Index Fund. But I still seek an answer as to when over-diversification is too much and does anyone (such as agents) benefit financially from that?
by Munir
Sat Jan 21, 2023 4:32 pm
Forum: Personal Investments
Topic: Why does Vanguard target retirement have 40% of equities in international?
Replies: 40
Views: 4172

Re: Why does Vanguard target retirement have 40% of equities in international?

Triple digit golfer wrote: Sat Jan 21, 2023 4:23 pm
Munir wrote: Sat Jan 21, 2023 4:21 pm How much diversification is too much? How about including gold, silver, real estate, diamonds, rare books, art work, old records, postage stamps, autographed baseballs, etc etc.
Didn't take long for this tired argument to appear.

It would be a fine argument if any of those things had intrinsic value and ability to generate income.
Isn't intrinsic value in the eyes of the beholder? People can disagree about what the value actually is of any specific item. Maybe following the herd mentality is more comforting- even if it's the Titanic.(I don't think we are on the Titanic but just using it as an example).
by Munir
Sat Jan 21, 2023 4:21 pm
Forum: Personal Investments
Topic: Why does Vanguard target retirement have 40% of equities in international?
Replies: 40
Views: 4172

Re: Why does Vanguard target retirement have 40% of equities in international?

How much diversification is too much? How about including gold, silver, real estate, diamonds, rare books, art work, old records, postage stamps, autographed baseballs, etc etc.
by Munir
Sat Dec 17, 2022 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

Thank you to all the respondents. Having this dialogue helps me. It's also interesting what some of you have concluded about such things as my mental acuity (which is still good but I get concerned about the future because I live in a CCRC retirement community and see a varying degree of gradual deterioration among many). I do have an estate attorney who thought my questions were mostly financial and not in her bailiwick. One daughter and a son-in-law are also involved in these issues. My CPA doesn't see any issues that need acting on and thinks I'm doing fine. On responding to all your comments, I'm starting to realize that what caused my concern recently is the statement I received from Social Security about my benefits (which remain at ...
by Munir
Sat Dec 17, 2022 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

Duplicate.
by Munir
Sat Dec 17, 2022 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

delamer wrote: Sat Dec 17, 2022 7:21 pm Your Social Security benefit is zero?

Is that due to having a pension based on government employment?
No and No. My SS benefit in 2023 will not show any increase over 2022 because of the increased Medicare fees and RMD- as I understand the SS statement that explains my 2023 benefits..
by Munir
Sat Dec 17, 2022 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

Thank you to all the respondents. Having this dialogue helps me. It's also interesting what some of you have concluded about such things as my mental acuity (which is still good but I get concerned about the future because I live in a CCRC retirement community and see a varying degree of gradual deterioration among many). I do have an estate attorney who thought my questions were mostly financial and not in her bailiwick. One daughter and a son-in-law are also involved in these issues. My CPA doesn't see any issues that need acting on and thinks I'm doing fine. On responding to all your comments, I'm starting to realize that what caused my concern recently is the statement I received from Social Security about my benefits (which remain at z...
by Munir
Sat Dec 17, 2022 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

Op here. I am specifically asking for help in deciding what kind of a professional should I turn to in dealing with retirement issues and financial decisions (not investment) relating to taxes, RMD, Roth conversion, and tax planning for managing my traditional IRA assets. I do not see the need to declare my personal details since my request of the group is only to advise me what type of a professional financial advisor I should turn to and not for the Bogleheads to advise me how to deal with my specific issues. One option may be to keep doing what I'm doing because that is what is required by the government and it cannot be dealt with in other ways. I would like the opinion of an expert if that is the case or not. What kind of an expert sho...
by Munir
Sat Dec 17, 2022 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Re: Who Should I ask Advice From?

Bump.
by Munir
Fri Dec 16, 2022 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Who Should I ask Advice From?
Replies: 24
Views: 1968

Who Should I ask Advice From?

I am an 85 year old Oregon widower with three adult children. Over 90% of my assets are in my TIRA. I am confused on whom to obtain advice from regarding managing my estate taxes, RMDs, TIRA vs Roth conversion, Medicare fees, Social Security, IRMAA, and related issues. I have never used spread sheets and my decreasing mental acuity is a block for using IT calculations. I have always managed my own investments and would like to keep doing that as long as possible. Should I seek advice from a money manager, tax consultant, CPA, attorney, or who? I have been a Diehard for many decades and am cost conscious. My portfolio is simple (currently 40% VTSAX & 60% VUSXX) and is not the issue except that it is nearly all in a TIRA. I think this cou...
by Munir
Wed Nov 30, 2022 4:04 pm
Forum: Personal Investments
Topic: Comparing Vanguard Money Market accounts?
Replies: 4
Views: 1177

Re: Comparing Vanguard Money Market accounts?

You may want to include VMRXX- the Cash Reserve Federal MM fund, in the comparison. If these are funds that are taxable on withdrawal, VUSXX is the only pure treasury fund where any gains are not taxed by the state.
by Munir
Wed Nov 30, 2022 2:59 pm
Forum: Personal Investments
Topic: Vanguard and RMD's
Replies: 7
Views: 1111

Re: Vanguard and RMD's

CMHBuckeye wrote: Wed Nov 30, 2022 2:36 pm Log on to Vanguard

Go to "search"

Search "RMD"

Go to "Set-up or view the RMD"

The page will show your Retirement Summary for RMD.
Another option: on the Vanguard home page, click on "my accounts", then click on "transactions", then click on "Retirement distributions, RMD, etc". Hopefully you can get your questions answered,
by Munir
Mon Nov 28, 2022 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a medigap policy
Replies: 25
Views: 2433

Re: Choosing a medigap policy

I know that Oregon and California (and maybe Washington State) allow you to change without any underwriting or exclusions during your birthday month. You can Google "Change Medigap policies in my state- insert name" and find what your state allows.
by Munir
Mon Nov 28, 2022 10:27 am
Forum: US Chapters
Topic: Sad news - Sheepdog passed away
Replies: 135
Views: 25740

Re: Sad news - Sheepdog passed away

His posts were not limited to a recitation of facts but included his feelings regarding what was happening. This added a personal touch, insight and value to our forum- in addition to humanizing it. Thank you, Sheepdog.
by Munir
Fri Nov 18, 2022 3:22 pm
Forum: Investing - Theory, News & General
Topic: What "IF" there is a recession?
Replies: 78
Views: 7518

Re: What "IF" there is a recession?

sailaway wrote: Fri Nov 18, 2022 3:20 pm
homebuyer6426 wrote: Fri Nov 18, 2022 3:14 pm
Munir wrote: Fri Nov 18, 2022 2:43 pm Some respondents have suggested that we should prepare for a recession. How does one prepare for a recession (if one believes a recession is coming)? By being in cash?
By choosing long-term investments they are able psychologically to hold without selling, and short-term reserves to get them through a potential jobless period.
This. I always believe a recession is coming. I just have no idea when. I started calling the 2008 recession in 2006 and have been wary of the next one since 2018. I am prepared, but haven't lost out on gains in the meantime.
How are you prepared?
by Munir
Fri Nov 18, 2022 2:43 pm
Forum: Investing - Theory, News & General
Topic: What "IF" there is a recession?
Replies: 78
Views: 7518

Re: What "IF" there is a recession?

Some respondents have suggested that we should prepare for a recession. How does one prepare for a recession (if one believes a recession is coming)? By being in cash?
by Munir
Fri Nov 18, 2022 12:59 pm
Forum: Investing - Theory, News & General
Topic: What "IF" there is a recession?
Replies: 78
Views: 7518

Re: What "IF" there is a recession?

I don't think the OP was trying to predict whether a recession will occur or not. The question is very legitimate. IF there is a recession, what will happen to stocks and bonds based on our experience with previous recessions? I assumed the answers would be: they will go up, or down, or I don't know.
by Munir
Fri Nov 18, 2022 12:26 pm
Forum: Investing - Theory, News & General
Topic: What "IF" there is a recession?
Replies: 78
Views: 7518

Re: What "IF" there is a recession?

I think there is a general avoidance to answering the clear question directly by asking more questions in response. Let me rephrase the question as I see it: what will happen to stocks and bonds if there is a recession?

On a related matter, some respondents have suggested that we should prepare for a recession. How do you prepare for a recession? By being in cash?
by Munir
Mon Nov 14, 2022 4:58 pm
Forum: Investing - Theory, News & General
Topic: How did you find your risk profile and AA ?
Replies: 75
Views: 5007

Re: How did you find your risk profile and AA ?

85 year old retiree. 40% TSM (equities) to leave to my heirs and 60% fixed income (currently cash) to live on. This past year cleared my head and helped me reach this conclusion. Yes, I sleep well.
by Munir
Sun Nov 13, 2022 1:36 pm
Forum: Investing - Theory, News & General
Topic: Cash Investments at Vanguard
Replies: 1
Views: 539

Re: Cash Investments at Vanguard

I'll give you a partial response because I don't know the answer to all the differences. If the dividends are liable for state taxes, the US Treasury fund may be best because it's dividends are free from state taxes. In addition to US Treasury instruments, the other two funds use repos and other such instruments which are supposed to be very safe but are not necessarily all guaranteed by full faith of the US Government. The US Government fund has a longer duration and the yields are less volatile than the other two. Over a period of a few months or more, their total yields will be similar for all three (see graphs by electron and KevinM in other posts). There are multiple posts and graphs on this subject on this site which you can look up. ...
by Munir
Sat Nov 12, 2022 5:30 pm
Forum: Investing - Theory, News & General
Topic: Does Vanguard hold bonds in funds to maturity?
Replies: 34
Views: 3403

Re: Does Vanguard hold bonds in funds to maturity?

Holding a bond fund for its duration is not the same as holding an individual bond to maturity. They are not comparable at all. I still see some posters who assume that if they hold a bond fund for the length of it duration it will assure that their bond fund value at that time will be at least worth what they originally invested. This is false. It depends on the general market conditions. Am I right?
by Munir
Fri Nov 11, 2022 2:56 pm
Forum: Personal Investments
Topic: Money Market Fund Within IRA
Replies: 17
Views: 1915

Re: Money Market Fund Within IRA

The US Treasury fund holds only treasury instruments while the other two funds hold about 50% repos. Does that worry anybody?
by Munir
Fri Nov 11, 2022 2:09 pm
Forum: Personal Investments
Topic: Money Market Fund Within IRA
Replies: 17
Views: 1915

Re: Money Market Fund Within IRA

If I were going to use this approach (1 RMD in cash), I'd just use the settlement fund. I agree. I believe in simplifying things hinge whenever possible. In this case, why hold two money market funds when you already have one that will suffice? The numbers show that VMRXX has a slightly higher yield and return. If one has a large holding in the MMF, the difference in $ could be significant. The search for simplicity in holding the settlement fund does not make sense if VMRXX yields more unless there are other reasons that favor the settlement fund or the US government fund VUSXX. As noted above, the current difference in yield is 0.04%. On a $50k amount in the money market, that’s $20 per year. $20 would buy approximately 2 Big Mac meals a...
by Munir
Fri Nov 11, 2022 1:15 pm
Forum: Personal Investments
Topic: Money Market Fund Within IRA
Replies: 17
Views: 1915

Re: Money Market Fund Within IRA

Stinky wrote: Fri Nov 11, 2022 12:22 pm
retired@50 wrote: Thu Nov 10, 2022 12:00 pm If I were going to use this approach (1 RMD in cash), I'd just use the settlement fund.
I agree.

I believe in simplifying things hinge whenever possible. In this case, why hold two money market funds when you already have one that will suffice?
The numbers show that VMRXX has a slightly higher yield and return. If one has a large holding in the MMF, the difference in $ could be significant. The search for simplicity in holding the settlement fund does not make sense if VMRXX yields more unless there are other reasons that favor the settlement fund or the US government fund VUSXX.
by Munir
Fri Nov 11, 2022 12:19 pm
Forum: Personal Investments
Topic: Money Market Fund Within IRA
Replies: 17
Views: 1915

Re: Money Market Fund Within IRA

Are there any differences among the three funds as far as safety, accessibility, and ease of withdrawals?
by Munir
Thu Nov 10, 2022 5:57 pm
Forum: Personal Investments
Topic: Risk comparison: VMMXX vs VMFXX vs VUSXX?
Replies: 44
Views: 31334

Re: Risk comparison: VMMXX vs VMFXX vs VUSXX?

Electron, thank you.
by Munir
Thu Nov 10, 2022 3:57 pm
Forum: Personal Investments
Topic: Risk comparison: VMMXX vs VMFXX vs VUSXX?
Replies: 44
Views: 31334

Re: Risk comparison: VMMXX vs VMFXX vs VUSXX?

Resurrecting an old thread, I have a question. The old Prime Reserve MMF (VMMXX) does not exist anymore and has been replaced by VMRXX which is a government money market fund. The redemption and liquidity risks ascribed to the old MM Prime fund (VMMXX) do not apply to VMRXX. Is this correct?
by Munir
Tue Nov 08, 2022 1:59 pm
Forum: Investing - Theory, News & General
Topic: Best MM fund today?
Replies: 20
Views: 5790

Re: Best MM fund today?

Is the title of this thread misleading? I assumed it compares different MM funds among each other.
by Munir
Fri Nov 04, 2022 3:43 pm
Forum: Personal Investments
Topic: VFMF / VFMFX (Vanguard U.S. Multifactor ETF / Fund)
Replies: 15
Views: 2087

Re: VFMF / VFMFX

How about using the full name of funds at least once in the opening post?
by Munir
Mon Oct 31, 2022 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Online Savings/Money Market Rate Increases
Replies: 745
Views: 125087

Re: Ally Online Savings Rate Increase

TwstdSista wrote: Mon Oct 31, 2022 4:42 pm LendingClub 3.12%
Citizens Access 3.00%
Do the smaller banks have restrictions, limitations, and requirements that the larger banks such a Marcus and Ally not have?
by Munir
Mon Oct 31, 2022 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Online Savings/Money Market Rate Increases
Replies: 745
Views: 125087

Re: Ally Online Savings Rate Increase

Marcus High Yield Savings rate (Goldman Sachs) is 2.5%.
by Munir
Thu Oct 27, 2022 11:09 am
Forum: Investing - Theory, News & General
Topic: VUSXX (Vanguard Treasury Money Market Fund) at 3.01%
Replies: 8
Views: 3052

VUSXX (Vanguard Treasury Money Market Fund) at 3.01%

The Vanguard Treasury Money Market Fund (VUSXX) has a 7-day SEC rate at 3.01% -which is the highest rate among all the Vanguard money market funds. Is this a blip or will it stay that way?