(06/26/2022)
현재는 1%대, 올해 안에 2%대로 진입하리라 예상이 됩니다.
FCASH | FZFXX | SPAXX | FDRXX | FDLXX | SPRXX | FCFXX | SNOXX | SNSXX | SNVXX | SWVXX | SWKXX | VMFXX | VMRXX | VCTXX |
6/1/2022 | 0.25% | 0.39% | 0.39% | 0.46% | 0.40% | 0.55% | 0.34% | 0.4314% | 0.3266% | 0.0100% | 0.5984% | 0.4678% | 0.6958% | 0.6854% | 0.5891% |
6/2/2022 | 0.25% | 0.39% | 0.39% | 0.46% | 0.40% | 0.56% | 0.33% | 0.4385% | 0.3350% | 0.0100% | 0.6033% | 0.4574% | 0.6999% | 0.6903% | 0.5697% |
6/3/2022 | 0.25% | 0.40% | 0.40% | 0.47% | 0.41% | 0.57% | 0.31% | 0.4490% | 0.3595% | 0.0100% | 0.6144% | 0.4270% | 0.7081% | 0.7007% | 0.5121% |
6/6/2022 | 0.25% | 0.41% | 0.41% | 0.47% | 0.44% | 0.59% | 0.27% | 0.4490% | 0.3677% | 0.0100% | 0.6184% | 0.4162% | 0.7111% | 0.7044% | 0.4929% |
6/7/2022 | 0.25% | 0.42% | 0.41% | 0.48% | 0.44% | 0.59% | 0.26% | 0.4525% | 0.3718% | 0.0100% | 0.6217% | 0.4073% | 0.7158% | 0.7091% | 0.4745% |
6/8/2022 | 0.25% | 0.42% | 0.41% | 0.48% | 0.45% | 0.59% | 0.25% | 0.4583% | 0.3749% | 0.0100% | 0.6243% | 0.4005% | 0.7197% | 0.7128% | 0.4614% |
6/9/2022 | 0.25% | 0.43% | 0.42% | 0.48% | 0.46% | 0.60% | 0.24% | 0.4632% | 0.3790% | 0.0100% | 0.6243% | 0.3954% | 0.7260% | 0.7176% | 0.4545% |
6/10/2022 | 0.25% | 0.43% | 0.42% | 0.49% | 0.47% | 0.60% | 0.24% | 0.4777% | 0.3914% | 0.0100% | 0.6323% | 0.3807% | 0.7445% | 0.7341% | 0.4344% |
6/13/2022 | 0.25% | 0.45% | 0.43% | 0.50% | 0.50% | 0.60% | 0.22% | 0.4831% | 0.3961% | 0.0100% | 0.6323% | 0.3772% | 0.7506% | 0.7393% | 0.4302% |
6/14/2022 | 0.25% | 0.46% | 0.44% | 0.51% | 0.51% | 0.60% | 0.21% | 0.4944% | 0.4069% | 0.0100% | 0.6373% | 0.3733% | 0.7587% | 0.7462% | 0.4291% |
6/15/2022 | 0.25% | 0.47% | 0.45% | 0.51% | 0.53% | 0.60% | 0.20% | 0.5042% | 0.4183% | 0.0100% | 0.6427% | 0.3758% | 0.7667% | 0.7524% | 0.4389% |
6/16/2022 | 0.25% | 0.54% | 0.52% | 0.58% | 0.54% | 0.66% | 0.24% | 0.5923% | 0.4360% | 0.0100% | 0.6831% | 0.4072% | 0.8445% | 0.8152% | 0.4843% |
6/17/2022 | 0.25% | 0.62% | 0.59% | 0.66% | 0.56% | 0.74% | 0.28% | 0.9446% | 0.5062% | 0.0100% | 0.9744% | 0.5367% | 1.1862% | 1.1403% | 0.6580% |
6/21/2022 | 0.69% | 0.90% | 0.89% | 0.96% | 0.64% | 1.06% | 0.44% | 1.0259% | 0.5331% | 0.0100% | 1.0491% | 0.5707% | 1.2690% | 1.2195% | 0.6962% |
6/22/2022 | 0.69% | 0.96% | 0.96% | 1.03% | 0.65% | 1.16% | 0.48% | 1.1059% | 0.5609% | 0.0100% | 1.1238% | 0.5991% | 1.3533% | 1.3031% | 0.7254% |
6/23/2022 | 0.69% | 0.96% | 0.97% | 1.04% | 0.66% | 1.19% | 0.49% | 1.1072% | 0.5841% | 0.0100% | 1.1624% | 0.5991% | 1.3648% | 1.3278% | 0.7227% |
6/24/2022 | 0.69% | 0.96% | 0.97% | 1.04% | 0.67% | 1.21% | 0.49% | 1.1115% | 0.6553% | 0.0100% | 1.1843% | 0.6192% | 1.3760% | 1.3455% | 0.7194% |
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4월 1일부터 지금까지 이자율을 정리를 해봤습니다.
Fidelity, Schwab, Vanguard의 대표적인 MMF를 정리해봤는데요.
이자율이 폭망했으니, Brokerage를 online savings처럼 사용하지 마시기를 권해드립니다.
이자율 높은 것들은 CA MUNI MMF인데, 이 역시도 이자율이 현실화되기 시작했네요.
그래도, Fed/CA income tax를 안내니 상대적으로 좋은 옵션이 되긴 합니다.
여기에 포함하지는 않았지만, MUNI는 미국 전역으로 한 것, 특정 주 채권만으로 구성된 것이 있는데, 거주하는 주의 MUNI MMF는 state tax까지 면세이고, 거주하지 않는 주의 MUNI MMF는 Federal tax만 면세가 됩니다.
FCASH | FZFXX | SPAXX | FDRXX | SPRXX | FCFXX | SNOXX | SNSXX | SNVXX | SWVXX | SWKXX | VMFXX | VMMXX | VCTXX | ||
4/1/2020 | 0.01% | 0.01% | 0.08% | 0.13% | 0.52% | 3.56% | 0.06% | 0.08% | 0.39% | 0.73% | 2.28% | 0.68% | 1.07% | 2.16% | |
4/2/2020 | 0.01% | 0.01% | 0.07% | 0.12% | 0.50% | 3.21% | 0.05% | 0.07% | 0.37% | 0.72% | 2.07% | 0.67% | 1.05% | 1.99% | |
4/3/2020 | 0.01% | 0.01% | 0.07% | 0.11% | 0.48% | 2.86% | 0.04% | 0.04% | 0.32% | 0.69% | 1.59% | 0.66% | 1.03% | 1.83% | |
4/6/2020 | 0.01% | 0.01% | 0.04% | 0.11% | 0.43% | 2.86% | 0.04% | 0.04% | 0.32% | 0.69% | 1.59% | 0.62% | 0.97% | 1.37% | |
4/7/2020 | 0.01% | 0.01% | 0.04% | 0.06% | 0.41% | 1.52% | 0.04% | 0.03% | 0.30% | 0.68% | 1.42% | 0.61% | 0.95% | 1.22% | |
4/8/2020 | 0.01% | 0.01% | 0.04% | 0.06% | 0.41% | 1.22% | 0.04% | 0.02% | 0.29% | 0.67% | 1.23% | 0.60% | 0.94% | 1.08% | |
4/9/2020 | 0.01% | 0.01% | 0.03% | 0.05% | 0.40% | 1.22% | 0.04% | 0.02% | 0.27% | 0.66% | 1.05% | 0.59% | 0.92% | 1.01% | |
4/10/2020 | 0.01% | 0.01% | 0.03% | 0.05% | 0.40% | 1.09% | 0.03% | 0.01% | 0.24% | 0.63% | 0.68% | 0.59% | 0.92% | 1.01% | |
4/13/2020 | 0.01% | 0.01% | 0.01% | 0.06% | 0.40% | 1.09% | 0.03% | 0.01% | 0.24% | 0.63% | 0.68% | 0.56% | 0.88% | 0.76% | |
4/14/2020 | 0.01% | 0.01% | 0.01% | 0.06% | 0.38% | 0.45% | 0.03% | 0.01% | 0.22% | 0.63% | 0.51% | 0.55% | 0.86% | 0.69% |