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@turinreza

10 ай бұрын

any ETFs that are high yield money market?

@scottsellers8967

8 ай бұрын

Yes, Fidelity rates are not as high as some and thier expense ratio is higher than many.

Thanks for continuing to call out Schwab for their lack of a sweep. As a long time customer, I remember when they had one. My cash is at Schwab, in SNSXX and SWVXX, depending on whether it’s tax sheltered, and at Fidelity, in SPAXX. I believe my investments will be slowly migrating to Fidelity…

Fidelity need to step it up!!!!

@DiamondNestEgg

11 ай бұрын

Agreed

@DrewLonmyPillow

11 ай бұрын

Given the number of people Fidelity has as a captive customer base from their employer-sponsored retirement offerings, they don't need to try as hard to get/retain customers. They likely get a lot of additional investment from familiarity and convenience.

@eugenetwentytwo

11 ай бұрын

FZDXX premium money market is currently at 5.17% at Fidelity@@DrewLonmyPillow

@bertde3092

11 ай бұрын

FZDXX = 5.17 7day Yield@@DiamondNestEgg

I recently discovered your channel and am very appreciative of your high quality videos! You always start with an outline, use visual aids or charts. Suggested topics: (1) how to move/sweep fund from Schwab to Vanguard; (2) compare which banks have global presence/access to funds deposited in the U.S. (e.g. SS benefits) because many people in my network are retiring in Asia.

Your videos are top notch, not just informational but highly detailed with the specifics in clear language.

I like that SPRXX is auto liquidation eligible so if i buy a stock the money is available instantly. I dont have to wait for settlement. I dont miss that low interest rate in schwabs bank sweep when i had an account there.

Quality presentation and preparation. Thank you.

Would you be able to make a video to show us how to sell our treasuries before maturity on Schwab, fidelity and vanguard? Thanks a lot!

Wow, great job! Succinct, quick, helpful.

Awesome as always, Thank You … question : aDif between Schwab CD and this Bond Swvxx … main dif and risks ? Thank you

We have both Fidelity and Schwab and I like both for different reasons. Thanks to one of your earlier videos the cash in Schwab is no longer sitting in the cash sweep category! Thank you!

I deal with all 3 companies. Unfortunately customer service with 2 of the 3 has deteriorated (I haven't interacted with one as it's newer). Fees matter over time! I'm not liking how high Fidelity's expense ratio is on its core fund when compared to Vanguard's. Love, love, love your videos, Jennifer!!! ❤ Thank you!

@DiamondNestEgg

10 ай бұрын

Glad it was helpful!

Fidelity with (SPAXX) & T-Bill Ladders (8w-26w); Also ETrade (soon to be Morgan Stanley) with purchased Vanguard MMFs (VMFXX & VMRXX). Thanks Jennifer!!

@DiamondNestEgg

11 ай бұрын

Thanks for sharing & you're welcome!

Great help - thank you! Would you mind also include if there are any front loads and expense ratio info along with these comparisons.

Your tutorials are desperately needed! Thank you so much...🇺🇸 😎👍☕

I use Fidelity and keep a decent amount in the money market in the short term for other trading. Thank you for comparing the alternatives. I was surprised that Fidelity was that much lower than Vanguard.

@DiamondNestEgg

11 ай бұрын

Thanks for sharing! Fidelity is usually quite a bit lower than Vanguard btw.

Hi - New to your channel ..very insightful. Gabelli US Treasury MMF is also a great option. Low cost, with an expense ratio of 8bps, high yield and check-writing as well.

I’m in the Vanguard FMXXX which heavy towards repurchase agreements, then T notes & T bills. What does the 7 Day SEC really imply ? There is also a compound rate… and then a YTD.😵‍💫

Awesome as always, you are the best Jennifer. Do you have an episode of Money Market vs. T Bill and which one is better? I couldn't find it in the playlist!

Fidelity doesn't make it easy to find these core products. Thanks for pointing them out. Very informative.

I have a little bit parked temporarily in a good earning money market fund thanks to your tip a few weeks ago. Thank you for the great info.

@DiamondNestEgg

10 ай бұрын

Glad the videos have been helpful

Vanguard money market all the way! I even moved my Schwab cash to Vanguard, along with excess cash from I-Bond sales. Compound yield at Vanguard $ mkt is over 5.4%. I'll take that all day long.

@BoBear79

11 ай бұрын

And yes, I sold SWVXX. TOO EXPENSIVE!

@BOBBY1006

11 ай бұрын

I pretty much did the same. Opened up a Vanguard account and moved all cash from Schwab to Vanguard.

@elyssaberger5901

11 ай бұрын

Does Vanguard charge a fee to move money in our out of that? Are there any fees associated with it? I have my cash account with WeathFront no fees whatsoever for 5.3%. But I have an IRA at Vanguard- I thought their money market had fees associated with it?? And I have a debit card w Wealthfront so I can get cash at any time from a teller

@BoBear79

11 ай бұрын

@elyssaberger5901 The Vanguard Money Market (their settlement account) charges 11 bps. A bargain in my mind.

@monarene44

10 ай бұрын

@@BoBear79. What is the stock symbol for that account?

Have 2 each in Schwab and Fidelity. ETrade never had proprietary MMFs but I purchased Vanguard ones in there.

@brucesmith9144

11 ай бұрын

ETrade/Morgan-Stanley has a very low interest rate sweep 🧹 account but have found that one can purchase many of these other fund accounts from Fidelity or Vanguard and have no transaction fees.

Thank you ❤

Can SPRXX be used as a core account or would I have to sell the holdings to use the funds to buy stocks?

Have E*Trade/Morgan Stanley but bought into Fidelity SPAXX. Also laddered some 5% CDs that I will flip into some of these money markets once they reach maturity. I’ll take 5%+ all day long while the Fed figures out interest rates and stock market remains volatile.

@DiamondNestEgg

11 ай бұрын

We like those 5%+ rates as well!

Topics for the end of the year: 2020 for retirement contribution limits, including over 50/55. Also, any updates on contributions like the delay to 2026 for Roth 401(k) catch-up contribution, which was supposed to be next year but now it seems to be delayed 2026. Good to share this with the broader audience.

@DiamondNestEgg

11 ай бұрын

Noted!

Can you make a video about how to buy short-term treasury bills using the ladder technique To get an even higher returns than the money market accounts?

As a person that has no knowledge of the money market but very interested in it which one would you recommend i look into to park some of it

FZDXX 5.17%

Thanks Jennifer. I learn so much from your videos. I appreciate your charts and other visual aids. Where is the list of future topics suggestions to review, provide a comment or add new suggestions? I would like to see a video comparing a regular long term bong (ie 20 or 30 years) to tips bond (20 or 30 years). If it helps with the answer, I was considering purchasing in my Roth IRA and/or HSA account.

@DiamondNestEgg

11 ай бұрын

Noted - you can just leave your video suggestions here!

Most of my cash right now is split evenly between 3 and 6 month Tbills.

@DiamondNestEgg

11 ай бұрын

Thanks for sharing

Are annuities safe havens for tax-deferred cash?

whats advantage or disadvantage of a fidelity on line or a brick and mortar bank like u.s. bank

Fidelity told me that I can transfer my existing Traditional IRA Schwab T-bill account directly to a Fidelity Traditional IRA T-bill account without waiting for the maturity date. I like the Fidelity platform of having a money market core account (which Schwab does not have). Should I trust Fidelity to be able to transfer the existing Schwab T-bill account to Fidelity without messing up the maturity date? Fidelity said it is done all the time with no problem. I would like to do this ASAP (before the maturity date) to make things easier for me, as long as there is no problem doing this.

On a recent episode of Clark Howard his guest speaker talked about Treasury Money markets, what can you tell us about those? Thanks for all your help, you are always on target and we apprecate it.

Newbie here. I have some cash that is earning next-to-nothing at the moment, that I would like to invest. Is there anything around 5% that is guaranteed but has not significant penalties for early withdrawal? Thanks in advance!

Fidelity does have a prime MM fund FDZXX, which is paying 5.17%. It does have a $50,000 minimum however.

@hokodesigns

11 ай бұрын

I believe the minimum is lower, at $10,000 for tax-deferred retirement accounts. But I think it is 100k for retail accounts.

@gregmetz5401

11 ай бұрын

Think u mean Fzdxx. prime mmf 5.16 7DY tday 100k min retail

Discuss BOXX etf

Which money markets (highest rates) at Merrill Lynch are 100% state tax-free in California?

I currently use USFR, 30 Day SEC Yield at 5.28%. And mostly state income tax free, which is nice for those of us in California.

@DerrickW30

11 ай бұрын

I should add, that's not a sweep account, which some people might be looking for. Just a floating rate Treasury Fund where I put cash that is not currently in equities.

@robbob8617

11 ай бұрын

5.35 big dawg. Not 5.28

@MrDboydeluxe

11 ай бұрын

Same, I sold a long time loser “core bond+ fund” (Doubleline) earlier this year for tax loss purposes and piled the proceeds in USFR, There are many similar etf’s SGOV, JPST. Nice getting 5.40% with virtually no risk and the flexibility to move back into intermediate bond funds…hmm? 2qt. Of 24?

@elyssaberger5901

11 ай бұрын

Are there any fees associated w those? If you move it out is there a fee? I’m at Wealthfront at 5.3% no fees and they have a debit card to take money out too w no fees at any time. Trying to figure out what the difference is if there are no state taxes with your type of account.

@annmckeighen8729

11 ай бұрын

what is USFR and how does it guarantee 5.28%?

Can you have the access anytime you want? Lets say you decide to buy anything-else , the cash will be available?

If you ask a Schwab CSR to move money from a linked external bank directly into a core MMA they can and will do it over the phone, but you have to ask them first. So it is not automatic but the reps can set it up for you. I have done it, FYI.

@skittles2055

9 ай бұрын

Their reps have been great any/every time I’ve interacted with them!

@eddenoy321

9 ай бұрын

@@skittles2055 Agree, best CSR's in the biz. BTW, you can, in some cases, move $$ from an external bank into the cash acct. and into your investment on your own. But it may depend on the amount and the bank. Refreshing sometimes speeds things up also.

Why not USFR?

I am on Fidelity. I only keep very small amounts or very temporary amounts in my cores (regular and retirement), though what they are paying is not bad. I have a separate "bank sweep" account I don't trade from because it is my emergency fund. IOW I consider it a savings account. The interest is middling as you showed, but it's a lot higher than my local bank where I have my checking. TBH, I am not sure if the sweep "savings" account is genuinely less risky than if I just parked the same money in the higher-paying core of my Individual trading account, but that is the assumption I went on.

@DiamondNestEgg

11 ай бұрын

Thanks for this Rick - you just give me another topic to cover for our Q&A. I saw that you sent an email to us as well - it’s on our “catch-up-after-vacation” box. Will revert back once we get to it.

Does Chase have a money market fund?

so in the end t bills still pay more than this?

Would you consider adding a separate link for the "suggestion box"? Any who- I did have a suggestion that is a bit different but by no means not relevant to any Super Saver! Roth Conversions! I think that is a super topic! Another topic for a video- is pre-retirement planning considerations perhaps a few "key" books to obtain just to get one started. Because saving is great but how do strategize to withdraw it afterwards to avoid taxes!!??? Thank you!

@DiamondNestEgg

11 ай бұрын

Hmm - I’ll have to ask how we can do this. Either way, noted on two great topics!

@rgorczak

11 ай бұрын

I would absolutely love this too!

@EarInn

11 ай бұрын

Upvote here. I'd love to hear about Roth conversions

betterment 5.5%

can you reinvest those money market funds?

If you meet the minimum requirement to buy Fidelity FMPXX, it is offering 5.29%

@Nissan-hz8zh

11 ай бұрын

Minimum is $1mil

@Lex41127

11 ай бұрын

I was able to add within my 401k thank you ,

@lopesphoto

11 ай бұрын

Fzdxx is at 5.16% with a 100k minimum

How about Merrill ? Can you make a video? Many thanks

@DiamondNestEgg

10 ай бұрын

Will add onto our list

Is there a specific reason why bond ETF’s (TLT and EDV) are doing very poorly while bonds are performing so well? Is the answer worthy of making a video about it?

@snakesnarroz

11 ай бұрын

When bond yields rise, prices fall.

When a TBILL auto-rolls does the money spend some time out of the market between one TBILL maturing and auto-rolling into the next TBILL?

@DiamondNestEgg

10 ай бұрын

Depends on your broker - with Fidelity, usually not

In Fidelity, and Etrade (MS)

@DiamondNestEgg

11 ай бұрын

Thanks for sharing

4.5% money market w/ $25 k minimum if cash well form 8300 would be required us bank

For topics.. am interested in best place to hold my HSA account. I'm 59 yrs old and am looking to park the hsa money's for 5 years or so at least. I noticed fidelity offers HSA accounts. But I don't think vanguard does. I'd be interested in knowing best options to build my HSA account. Right now I am keeping it at my local credit union. Thanks for all u do for this community!

@abirch77

9 ай бұрын

FWIW, I moved my HSA from a local bank paying virtually no interest; to Fidelity with a core position of FDRXX (best core position I could find currently paying 5% interest); some still in SPRXX (currently paying 5.06% interest) from when the spread between it and FDRXX was greater and dollar cost average every 1-3 months when the markets are down into one of Fidelity's zero cost index funds (I chose FZROX (zero fee Total Market Index), though I think their zero fee S&P500 equivalent fund would be OK too. Eventually my plan is to have it all in FZROX, since like you, I don't plan to touch it for 5 or so (more) years. YMMV. I am not a financial expert (don't even play one on TV) and this is not advice. Invest at your own risk, etc... BTW, based on this video and Vanguard paying about 5.3% on VMFXX; I opened up an account there for the improved interest. However, their frustrating website & lack of timely customer service, (and tone deaf policies on restricting outside accounts/the movement of my own money for 31 days makes me wish I had not opened a Vanguard account. Just do a google search for issues with Vanguard - I wish I had done that before I tried to get a percentage point or less more in interest - it isn't worth the hassles and worry of dealing with Vanguard, trust me! OTOH, I love Fidelity and have never had an issue, including immediate access to my funds within 24 hours of initiating a transfer to an (apparently unlimited number of) outside account(s).

@notrub225

9 ай бұрын

Fidelity has a great HSA account! It’s a great value with lower / no fees compared to other HSAs

@marym5631

9 ай бұрын

Thnx

Many of the money markets funds are now close to new investors. Fidelity funds seems to still be open to new investors but thier 7 day yeild is lower.

I’m seriously considering moving most of my cash out of my local brick and mortar bank that pays no interest to a Fidelity Cash Managed Account earning 2.72% apy. It has check writing, ATM, etc. Features that are free. I’m going to link this account to one of the Fidelity MMA's you mentioned in your video to park short-term money that will be invested in treasuries etc.

@DiamondNestEgg

11 ай бұрын

We're contemplating the same, but not quite ready yet to do this

@rgorczak

11 ай бұрын

@DiamondNestEgg it's a good idea to keep the minimum required at a brick and motar bank for actual cash deposits, Zelle and PayPal because those are not supported by the Fidelity CMA, but that is not a deal breaker for me.

@DiamondNestEgg

10 ай бұрын

Good to know Ruth - I don't use Zelle and PayPal much either so not a deal breaker for us

Where do we put large cash deposits that are tax deferred?

@darrelgrove5304

11 ай бұрын

All these are available in IRAs and Roths.

I put money in the Schwab SWVXX, but there are 2 rates. One for waiver and one for non waiver. Can you explain what a waiver is?

@christinewallace9251

10 ай бұрын

Good question

@kellylee514

10 ай бұрын

I don’t recall seeing that option

Super saver newbie here! If i have money sitting im my vanguard Vmfxx settlement fund, how do i transfer to my bank account? Thank you!

@machupikachu8349

11 ай бұрын

@@Bigguy_33 I’ve already done that..my bank account is linked, but how do I actually do the transfer? Do I click on “sell?”

@nicolasroselli6952

11 ай бұрын

That will only work if the account in Vanguard is > 1 year old. Otherwise, the transfer can go only to the originating account. Or you must call Vanguard and expect to complete that transaction in about 1 hour. The BS with Vanguard is off the charts.

Just did a large Rollover to Fidelity IRA and it should be populated Tuesday. Any thoughts on what is the safest option for this cash. I was thinking 30 day T-Bills for now. Don't want to use this particular tax free account for equities with the current market. Interested to hear what some of you think are some beneficial positions to take. We have been purchasing 30-day t-bills for some time now with good results out of our Fidelity brokerage account. Thanks in advance

@elyssaberger5901

11 ай бұрын

I have my money I want to keep liquid w WealthFront. It’s paying 5.3% zero fees and you can get a debit card to withdraw at any time also no fees but it’s not state tax free like TBills. I have a 2yr TNote for the bulk of my money because it’s state tax free If it needs to be kept in an IRA I’m putting my IRA $ in Tbills too

@suzycreamcheese8888

11 ай бұрын

I'm laddering CDs with my cash portion of my Fidelity IRA. I have one CD in the ROTH IRA.

Question: If I buy Schwab SNAXX for 1 million, can I sell, say $600k and still retain 400k in SNAXX 7 day yield rate? What about Fidelity FZDXX (100k minimum investment), and sell 60k, can I retain 40k in FZDXX or will it default me back to core money market, SPAXX? TIA.

@jackychang5896

11 ай бұрын

yes

what about a 4.5% with U.S. Bank

Could u look at sgov etc

@DiamondNestEgg

11 ай бұрын

We’ll add it onto our list

One month T-bills paying 5.5% compounded monthly from Treasury Direct.

@dassa0069

4 ай бұрын

No state or local taxes.

Vanguard FMXXX, T bill ladders and I Bonds.

@DiamondNestEgg

11 ай бұрын

Thanks for sharing Kathy!

If one were to sell their house and want to rent for 1-3 years before buying/building, where'd be the best place to story $300K+ ; Ally is very accessible (1 day) as an example but at 4.25% vs 5% for above; also considering state level of tax impact like TN, SC, NC, etc depending on move location.

@jonpeterson5071

11 ай бұрын

I would open a Vanguard account, and buy short term T-Bills with some or all of it.

@Scott-sm9nm

11 ай бұрын

@@jonpeterson5071 I appreciate your input and do a little investigating and research. We do have a Vangard account for part of our Trad and Roth IRAs. I see Diamond NestEgg has a couple of related videos: [Her stuff is incredibly easy to follow and she gives nice links to original resources and tables.] * How To Buy T-Bills At Vanguard (Step By Step Tutorial) * Secondary Market T-Bills On Vanguard | How To Buy & Sell T-Bills On Vanguard

@clintthroop5618

10 ай бұрын

I'm in CA and did what you're describing, less the moving out of state. Until recently I've only considered FDIC insured HYSAs, but concern is that their yields will start dropping when the Fed changes gears on interest rates. Lots of speculation but no one knows for sure when that will be. Given that, I'm investigating/considering T-bill ladders, as well as allocating a larger portion into the market given my expected time frame of 2-3yrs before deciding to get back into the housing market. Curious to hear how you're thinking about it...

@eric3434

10 ай бұрын

Etrade: TBills (5.4+%) and VMFXX (5.27%) will exceed your Ally option. And you can get optional debit card, savings and checking accounts attached to it. Etrade also has a premium savings account with a 4.25% yield. Or Vanguard with the same. But no debit cards, checking accounts or high yield savings account options.

@Scott-sm9nm

10 ай бұрын

@@clintthroop5618 Idea: This video has a Vanguard CA money market that is Fed and CA tax exempt -- VCTXX. See this Diamond NestEgg video: Vanguard's Best Money Market Funds vs Cash Deposit | VMFXX, VMRXX, VUSXX, VMSXX, VCTXX & VYFXX

Why bon’t you track other market funds like Marcus or Goldman Sacks?

@Nissan-hz8zh

11 ай бұрын

Those are HYSA. These are money market funds. They're different.

Also, what is Wealthfront?

@DiamondNestEgg

11 ай бұрын

The best way I can think of to describe them is a robo-adviser

What is USFR that DerrickW30 talks about below & how does it guarantee 5.28%?

@DiamondNestEgg

11 ай бұрын

It's a floating rate Treasury ETF, so the rate is not "guaranteed"

I have Fidelity Treasury only money market or FSIXX yielding 5.16%. I don't know if it's open to investors at Fidelity.

@gregmetz5401

11 ай бұрын

1 mill minimum

@ZXC_ZXC1

10 ай бұрын

@@gregmetz5401 FSIXX is available through Merill brokerage for a small minimum like $3000.

this is great information and all but i still have tons of decision paralysis on where to park my cash.

@elyssaberger5901

11 ай бұрын

I did too and was earning zip basically. Finally put it where my accountant and daughter have their cash it’s 100% fluid w no fees at all. Wealthfront. Without referral code it’s paying 4.8% and with referral from someone it’s 5.3% which is what I finally did. If you want my referral code let me know. I am still trying to figure out the difference between that and these in this video… I have a feeling it may be a fee but not sure. If not it seems one of these may even be a better option. But with wealth front I also have a debit card that charges no fees to take money out at any time. I like that ease

Anyone have a brokered CD at Schwab that matured last Friday, September 1st and still haven't see the principal posted to their Schwab cash account? Is this normal for a bank to keep the principal past the maturity date? Is this a liquidity problem with the bank or Schwab delaying the posting? Either way the bank or Schwab is earning interest off my money on this long holiday weekend.

@Ann-yk3sl

11 ай бұрын

My maturing CD’s have always been posted “day of”, although sometimes not till after the market closes. Have you considered calling Schwab to ask them?

T-bills have higher yields and are no state tax.

@DiamondNestEgg

10 ай бұрын

Our preference is also T-Bills for those two reasons

If VMFXX is held in a Vanguard ROTH, how can it be taxable? Sorry, not the sharpest knive in the investment drawer lol.

@christinewallace9251

10 ай бұрын

Not taxable in a Roth

@occamsshavecream4541

10 ай бұрын

txs!@@christinewallace9251

_I wonder if we qualify?_ *Minimum Initial Investment Amount of Zero Dollars!* . . . _"Honey, do we have Zero Dollars?"_ ("I have negative money!" -- Louis CK) - j q t -

Vanguard is the best , others are just second fidels, following the alpha 😄

Fidelity is all about fees

People leaving vanguard like crazy cause not everybody wants esg

@darrellh4259

11 ай бұрын

environmental, social, governance. a social score like China uses @@kathycrozier2826

@darrellh4259

11 ай бұрын

@@Jen-ur4ut don't be ignorant. Look it up

@occamsshavecream4541

10 ай бұрын

I complained to them about that. Not that it will have any influence.

Schwab non tax sheltered accounts SNSXX(no state income tax). I live in a high tax state. SWVXX for the rest.

@DiamondNestEgg

10 ай бұрын

Thanks for sharing

Schwab has a $1mm minimum? No problem! I will be ready by the time I retire at 90 years. But by then the minimum would have been raised to $50mm.

@skittles2055

9 ай бұрын

They have several at $0 minimum that are currently at practically thee same rates as ones that require $1million or more! Check ‘em out

Fidelity is the worst. Take my advice stay away from Fidelity. That is all.

@garthwoods5710

11 ай бұрын

Your advice would be more helpful if you gave reasons and details

What do you mean by 'core'? I currently have some money parked in a basic vanguard money market. It's not a retirement account, just a 'savings' account that pays more than my brick and mortar's 1% IF I maintain a balance of $50k. Is VMFXX liquid to where I can get to the money quickly, if needed? Thanks!

I have SWVXX ands far Im happy with it

@DiamondNestEgg

11 ай бұрын

Good to know - thanks

Swvxx is my choice.

@DiamondNestEgg

11 ай бұрын

Thanks for sharing

The highest yielding fund you mentioned at Schwab for both IRA and taxable accounts.

@DiamondNestEgg

11 ай бұрын

Thanks for sharing