The highest-yielding Vanguard money market fund right now is the Vanguard Treasury Money Market Fund (VUSXX). Based on Vanguard’s data as of July 11, 2025, its 7-day SEC yield is approximately 4.18% slightly ahead of the Federal fund (around 4.23% 30-day) and ahead of municipal or state-specific funds, which yield less (typically 2–3%) .
Why Treasury fund leads:
Invests only in U.S. Treasury securities, which currently pay higher short-term rates.
Held highest recent yields compared to other Vanguard cash equivalents .
Expense ratio is just 0.07%, the lowest among Vanguard money market options .
Vanguard 的401k 转到 rollover IRA，现在是在它的settlement fund 里面 (VMFXX)， 目前回报是APY 是 3.65%。(看错了 , 3.65%不是它的return), sorry)。 现在股市太高，想等有合适机会时再投入股市。大家可不可以推荐一个 回报更好的money market 或其它fund？只要随时能用来投stock就行。谢谢！
The highest-yielding Vanguard money market fund right now is the Vanguard Treasury Money Market Fund (VUSXX). Based on Vanguard’s data as of July 11, 2025, its 7-day SEC yield is approximately 4.18% slightly ahead of the Federal fund (around 4.23% 30-day) and ahead of municipal or state-specific funds, which yield less (typically 2–3%) .
Why Treasury fund leads:Invests only in U.S. Treasury securities, which currently pay higher short-term rates.
Held highest recent yields compared to other Vanguard cash equivalents .
Expense ratio is just 0.07%, the lowest among Vanguard money market options .
ChatGPT的准确性还有点不确定。你上面这段就说 “its 7-day SEC yield is approximately 4.18% slightly ahead of the Federal fund (around 4.23% 30-day) ”
4.18%怎么会 比 4.23%高呢？ :-)
Money market funds for short-term investing goals | Vanguard
7days SEC yield as of 07/14/2025 4.21%
return部分还免税。在rollover IRA里买，取出时也免税吗？