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Currently have all my savings in a hysa with a 3.4% yield For example buying money market vusxx fund today is giving an equivalent 6.25% apy for high. Thinking of moving it all into vusxx given the current 4.43% yield
Just want to gut check Both can be bought from your broker, it’s intimidating but actually quite simple Is there any practical difference in risk here
One reason i'm asking is because in other posts on this sub about where.
Only ever used hysa, help me understand using vusxx & the like by birdfood » fri jun 28, 2024 6:32 pm i, personally, would confidently put emergency funds in a respectable mmf, including this one The odds of it falling from the dollar per share are below the threshold of things that would worry me, and i worry a lot. But what if the hysa pays a much better rate, say 4.60% (vs 4.20% for vusxx)? Snsxx, although the yield is lower (5.02% vs
Vusxx vs hysa by roccodean » thu aug 21, 2025 10:27 am hello all, i currently have my emergency fund/money i need liquid in the next year for home renovations and car in ally hysa I reside in ohio and and we are in the second highest federal tax bracket Is there any reason to not move about 2/3 of my ally hsa into vusxx as to save on state. A hysa (high yield savings account) is a deposit account offered by banks or credit unions that provides a higher interest rate than traditional savings accounts
Vusxx is a money market mutual fund offered by vanguard
Hysa are great but even better are buying money market funds or tbills Money market funds restrictions are they can be bought/sold during market hours and tbills have a specified lock up period, like a month or more
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