VMFXX stock sentiment todayVanguard Federal Money Market Fund Investor Shares
Sentiment verdict
Gossip first, financials second — HOT at 92% confidence.
Last updated · cached analysis, refreshes periodically
VMFXX
Vanguard Federal Money Market Fund Investor SharesThe gold standard for low-cost cash management, offering maximum safety and yield-optimization for idle capital.
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See exactly how analyst targets, gossip sentiment and momentum are weighted into this 6-month forecast.
Sign in to go Pro →Full model breakdown (analyst / gossip / momentum weights) is a Pro feature. Modelled for VMFXX. Not financial advice.
Price · last 12 months
Gossip
Market narrative treats VMFXX as the 'default' superior alternative to low-yield savings accounts. While contrarian views (Bondsavvy) question 2026 duration risks, the consensus among Forbes and U.S. News remains that it is a premier vehicle for passive income and retirement stability.
- ·Flight to quality
- ·Dissatisfaction with 'Big Bank' savings rates
- ·Vanguard's reputation for low expense ratios
- ·Anticipation of 'higher for longer' interest rate environments
Financial
VMFXX maintains a stable $1 NAV backed by short-term U.S. government obligations and repurchase agreements. Its 0.11% expense ratio is significantly below the industry average, allowing for higher net yield pass-through to investors.
- ·Expense Ratio: 0.11%
- ·NAV: $1.00 (Stable)
- ·7-Day SEC Yield: ~5.20-5.30% (Variable)
- ·Weighted Average Maturity: <60 days
Risks
- ·Interest rate risk (yields drop if Fed cuts rates)
- ·Inflation risk (purchasing power loss if CPI exceeds yield)
- ·Regulatory changes to money market fund liquidity rules
Peer temperature
How direct competitors stack up against VMFXX right now.
- NEUTRALSPAXXFidelity Government Money Market Fund
COLDER — higher expense ratio (0.42%) leads to consistently lower net yields for the investor.
See full analysis → - HOTSWVXXSchwab Value Advantage Money Market Fund
NEUTRAL — slightly higher yields but takes on more credit risk by investing in commercial paper rather than pure government obligations.
See full analysis → - NEUTRALSNSXXSchwab Treasury Obligations Money Market Fund
COLDER — offers higher state tax efficiency but lower gross yields compared to VMFXX’s federal repo structure.
See full analysis →
- VMFXX+0.0%
- SPAXX—
- SWVXX+0.0%
- SNSXX+0.0%
Recent headlines
- BondsavvyIs VMFXX Safe? 8 Reasons to Avoid It in 2026
- forbes.com5 Best Money Market Mutual Funds Of 2026
- U.S. News Money7 Best Money Market Funds to Buy for 2026 | Investing
- Seeking AlphaThe "Goldilocks Yield" For Passive Income In Retirement
- Yahoo FinanceYour Idle Cash Is Sitting in Vanguard’s VMFXX, and It’s Doing More Work Than You Think
- The White Coat InvestorDoes Your Savings Account Yield Round to Zero?
AI-generated analysis for informational purposes only. Not financial advice.