Wealthy PotVUSXX Review (2026)
VUSXX pairs the lowest fee in this comparison with largely state-tax-exempt Treasury income, which can make its after-tax yield the best of the bunch for investors in high-income-tax states. The trade-offs are a $3,000 minimum and that it is not an automatic sweep.
By Wealthy Pot · Last updated September 2026
Pros
- A largely state-tax-exempt Treasury fund — valuable in high-tax states
- A rock-bottom 0.09% expense ratio
- Very low credit risk (predominantly U.S. Treasuries)
Cons
- A $3,000 minimum
- Not a sweep — you buy and sell it yourself
- Gross yield can trail prime funds before the tax break
Who VUSXX is for
Best for high-tax-state Vanguard investors with at least $3,000 in cash who want to maximize after-tax yield and don’t mind buying the fund manually.
Yield, fees & minimum
Vanguard Treasury Money Market Fund (VUSXX) is a treasury money-market fund from Vanguard, with a 0.07% expense ratio and a $3,000 minimum. Its 7-day SEC yield (3.71% (7-day SEC yield)) changes daily with short-term rates — confirm the current figure on the official page. State tax: fully state-tax-exempt — 100% u.s. treasury (2025); met the ca/ct/ny threshold. It is not an automatic sweep — you buy and sell it yourself.
The bottom line
VUSXX pairs the lowest fee in this comparison with largely state-tax-exempt Treasury income, which can make its after-tax yield the best of the bunch for investors in high-income-tax states. The trade-offs are a $3,000 minimum and that it is not an automatic sweep. Main drawback: a $3,000 minimum, and it is not a sweep — you buy and sell it yourself.
Compare VUSXX with…
See how VUSXX stacks up in our money-market fund comparison, or compare FDIC-insured options in our high-yield savings guide.
We summarize the fund's published facts, not user reviews. 7-day yields are variable, change daily, and are re-checked against Vanguard's official page. Money-market funds are not FDIC-insured and, while low-risk, can lose value in extreme conditions. Some outbound links may be affiliate links — that never affects which funds we include or how we rate them. Nothing here is financial advice.