All Rights Reserved. But if having cash on hand and ease of use are more important factors for you, then withdrawing may be better suited for your needs. If Vanguard is offering an option of having earnings put into a money Additionally, if you do need to access the cash at some point, you may be subject to withdrawal feesso its important to factor that into your decision-making process. In case other people arrive at this page wondering whether they should enable automatic reinvestment of dividends and capital gains for taxable (non-retirement) accounts (which is what I was searching for when I first arrived on this page): You might want to review https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account and http://www.fivecentnickel.com/2011/01/26/why-you-shouldnt-automatically-reinvest-dividends/. and our TL; DR version of my answer: In view of your age and the fact that you have just opened a Roth IRA account with Vanguard, choose the Reinvest Dividend and Capital Gains distributions option. The two options Vanguard gives me are "Reinvest" and "Transfer to your money market settlement fund" (which I don't even understand what it means). We appreciate your effort to participate with us. Leaving the money in the settlement account for a long time explore the world through the prism of knowledge. Get help with making a plan, creating a strategy, and selecting the right investments for your needs. The best answers are voted up and rise to the top, Not the answer you're looking for? The figure is adjusted for open orders to purchase stocks or ETFs at the market or to purchase Vanguard mutual funds or mutual funds from other companies. This page was generated at 03:09 PM. Older folk might wish to let the dividends and cap gains be paid in cash, and use that cash towards their RMDs (required distributions). The proceeds created by selling a security are considered unsettled funds (a.k.a. How can I recognize one? I am putting 5.5K a year but I was wondering if someone can give me pros and cons for what to do with my dividends and capital gains? You can still use a money market settlement fund to transfer money between various mutual fund investments within the Roth IRA account, but it really is adding an extra layer of money movement where it is not really necessary. These include when you are at or close to retirement and you need the money; when the stock or fund isnt performing well; when you want to diversify your portfolio; and when reinvesting unbalances your portfolio. Assume ABCs stock performs consistently and the company continues to raise its dividend rate the same amount each year (keep in mind, this is a hypothetical example). Privacy Policy. Then, at the end of each month, any remaining funds in the settlement fund are either reinvested or withdrawn. Mutual funds allow purchases of fractional shares (down to A settlement fund is a fund where your money sits after you sell your investments or receive dividends. I am putting 5.5K a year but I was wondering if someone can give me pros and cons for what to do with my dividends and capital gains? Might it make sense not to look into debt that is in collections? three or even four decimal places) instead of insisting on integer Because stocks have a two-business-day settlement period, proceeds generated by selling stock in a cash account are . iShares. First, let us define what a settlement fund is. You can use your settlement fund to buy mutual funds and ETFs (exchange-traded funds) from Vanguard and other companies, as well as stocks, CDs (certificates of deposit), and bonds. Describe your question as clearly as possible. Its a good idea to chat with a trusted financial advisor if you have any questions or concerns about reinvesting your dividends. You can then decide where to invest that money (all within the Roth IRA). Anyone can help me with this? The general idea is that--assuming you plan to regularly manually rebalance your portfolio to ensure that all of the "pieces of the pie" are the relative sizes that you want--there are approaches you can use to minimize taxes (and also fees, although at Vanguard I don't think that's a concern) if you choose a "SpecID cost basis" and manual reinvestment. The stock price is now $24.20, so reinvesting this dividend buys another 23.24 shares ($562.50 / $24.20). However, if you need more flexibility with how you use the money or want to reduce your exposure to risk, transferring the payment to your settlement fund may be a better option. A rollover means moving your assets to another employer plan or to an individual retirement account (IRA). Screenshot: http://i.imgur.com/lGFe9mJ.png, New comments cannot be posted and votes cannot be cast. The reinvestment of dividends and capital gains is a very significant portion of investment gains over the years. Cash management. How can I prevent my 8-year-old from spending time with his bad friend? However, its important to understand the ins and outs of your money market account so that you can make the best decisions for your financial future. If you sell rental or investment property, you can avoid capital gains and depreciation recapture taxes by rolling the proceeds of your sale into a similar type of investment within 180 days. Save my name, email, and website in this browser for the next time I comment. Most investors choose to reinvest mutual fund capital gains and dividends. Roth-IRA penalty = effectively lowering short term capital gains rate to 10%. What is Mothballing & When Should You Do It? unsettled cash) from the time you place a trade order until the completion of the settlement period (more on settlement periods momentarily). Stocks, bonds, money market instruments, and other investment vehicles. How Much Tax Do You Pay on a Roth IRA Conversion? Investing vs. Online Gambling: Whats The Difference? You do not have to use our links, but you help support GrowthRapidly if you do. Timothy Li When a stock or fund that you own pays dividends, you can pocket the cash and use it as you would any other income, or you can reinvest the dividends to buy more shares. Apparently many people are still parking a lot of money in a money market fund when the money market fund only pays 0.01%. of course, you can just choose to reinvest all the dividends and Companies often have DRIPs, which automatically reinvest dividends by buying more shares for an investor. market settlement account, it might be that you have opened your Roth IRA account with Vanguard's brokerage firm. How to Bypass the Billing Address on an Online Order. In this case, the money may not be immediately available to pay for brokerage transactions. Thank you. When you transfer the money, it actually goes to the Vanguard Federal Money Market Fund, which is your settlement fund. *sometimes we have to moderate some of the answers according to our quality policy. If you hold identical funds in your IRAs that you hold in taxable accounts, and you plan to use tax loss harvesting, sending dividends and capital gains to the settlement fund is okay, so as not to inadvertently cause a wash sale. If youre required to withdraw from these accounts after retirement anyway, and the income from those sources is sufficient to fund your lifestyle, there is no reason not to reinvest your dividends. You should consider keeping some money in your settlement fund so you're ready to trade. take the mystery out of retirement planning, 20 Questions to Tell if Youre Ready to Retire, Compare the Top 3 Financial Advisors For You. If you do not have this feature or prefer to transfer . Find VAI's Form CRS and each program's advisory brochurehere for an overview. 2. Note that it is important to check the Vanguard website regularly as investment returns fluctuate. Yes, you should use the settlement fund to purchase more shares of your target date fund. Do you pay taxes on capital gains that are reinvested? Fees and minimum wire amounts At Vanguard, can I transfer shares from regular investment account to a Roth IRA? Can You Buy a Motorcycle with a Credit Card? After 20 years, you would own 1,401.25 shares valued at $188,664.30, and your dividend would be $2,031.82. Buying & selling mutual fundsours and theirs. And due to the stocks gains, the value of your investment has grown from $20,000 to $28,471. Log on to your Vanguard account. If you are investing in mutual funds and wish to keep adding to the funds you've selected, the reinvestment is a simple way to avoid having to visit the account and make a new purchase. However, many companies offer dividend reinvestment plans (DRIPs) that simplify the process. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. https://www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account, http://www.fivecentnickel.com/2011/01/26/why-you-shouldnt-automatically-reinvest-dividends/, https://personal.vanguard.com/us/DivCapGainAccountSelection. Hartzmark, Samuel M., and David H. Solomon. If you reinvest your dividends and capital gains, youre essentially reinvesting in the same company or investment that generated the payment in the first place. Crypto Market Indexes: Your Ticket to Making Money Through Crypto, Everything You Need to Know About Metamask, Anti-Money Laundering Best Practices for Crypto Firms, Gold As An Investment: Pros & Cons To Consider, Revealed: 3 best trading platforms with demo accounts, Gold and Other Precious Metals IRA as Investment Idea. Not sure what to choose, I don't understand these terms very well. How can I explain to my manager that a project he wishes to undertake cannot be performed by the team? When you have money available to purchase stocks and other securities right away, you will avoid wasting time. Learn more about Stack Overflow the company, and our products. (Although even they can take the RMD in kind, as fund shares). Though you cant buy fractional shares on the open market, theyre common in DRIPs. The term risk-averse describes the investor who prioritizes the preservation of capital over the potential for a high return. For example, you could use it to invest in other companies or assets, or you could simply hold onto it as cash reserves. There is no need to hold the dividends and capital gains paid by the mutual fund as cash within the IRA until it is time to take a. Instead, investors must buy and sell Vanguard ETF Shares in the secondary market and hold those shares in a brokerage account. Can written options be exercised against you prior to expiry when they become "in-the-money"? You'll reduce the risk of your trades being rejected, because you'll have money available when you're interested in placing a trade. You can learn more about the standards we follow in producing accurate, unbiased content in our. In doing so, the investor may incur brokerage commissions and may pay more than net asset value when buying and receive less than net asset value when selling. If a company earns a profit and has excess earnings, it has three options: Dividends are usually paid out quarterly, on a per-share basis. When you buy or sell stocks, and other securities, your transactions go through a broker, like Vanguard Brokerage. The Vanguard settlement fund is a fund available so you can buy investments. What Is the Role of Data Analytics in the Financial and Banking Sector? Your email address will not be published. You can pocket the cash or reinvest the dividends to buy more shares of the company or fund. Or, you can use that money to buy other investments. You're more likely to have money to pay for purchases on the. SPX vs SPY: Which is Better for Trading Options on the S&P 500? These wires should reach your bank by the close of the following business day. How do I remove a Steam game from my library? At the end of just three years of stock ownership, your investment has grown from 1,000 shares to 1,069.55 shares. How Much Can You Contribute to Your IRA in 2023? Dividends can be distributed monthly, quarterly, semiannually, or annually. But when a company is struggling or when your portfolio becomes unbalanced, taking the cash and investing the money elsewhere may make more sense. @peds is correct, do not move the money out of the IRA. Asking for help, clarification, or responding to other answers. Compare advisors in your area in just 5 minutes. The minimum investment requirement for that fund is $3,000. At the end of the first year, you receive a dividend payment of 50 cents per share, which comes out to $500 (1,000 $0.50). The two options Vanguard gives me are "Reinvest" and "Transfer to your money market settlement fund" (which I don't even understand what it means). *sometimes we have to moderate some of the questions according to our quality policy. Timothy Li is a consultant, accountant, and finance manager with an MBA from USC and over 15 years of corporate finance experience. Cookie Notice If you never see the dividend for a fund, why does the ex-dividend date matter? Dividend drag is the delay in reinvesting dividends in a unit trust or ETF, which can cause the investor to pay higher prices in a rising market. There are two main benefits to reinvesting your money market settlement funds: 1. compound interest: When you reinvest your settlement funds, you're essentially giving yourself a pay raise. During the purchasing process for the money market fund SWVXX with Charles Schwab, I'm given the following reinvestment options: Which option is best/optimal if my goal is to simply collect interest on my cash reserve. Copyright 2023 - The White Coat Investor, LLC. I hope that helps. While its always a good idea to keep money in your settlement fund, youre losing money if you dont reinvest your dividends. If you are investing in mutual funds and wish to keep adding to the funds you've selected, the reinvestment is a simple way to avoid having to visit the account and make a new purchase. Reinvest capital gains in same fund or redirect to a Roth IRA? A dividend is a reward (usually cash) that a company or fund gives to its shareholders on a per-share basis. 2. ease of use: Another big advantage of withdrawing your settlement funds is that it can be much easier than reinvesting them. Dividends are taxable regardless of whether you take them in cash or reinvest them in the mutual fund that pays them out. The Journal of Finance, Vol. Backdoor Roth IRA: Advantages and Tax Implications Explained, Options When Youre a Roth IRA Beneficiary, How to Use a Roth IRA to Avoid Paying Estate Taxes, 4 Mistakes Clients Make with Roth IRAs and Their Estate, Inherited IRA Rules: Non-Spouse and Spouse Beneficiaries, What to Do If You Contribute Too Much to Your Roth IRA, Roth IRA Required Minimum Distributions (RMDs), Dividend Yield: Meaning, Formula, Example, and Pros and Cons, Dividend Reinvestment Plans (DRIPs): Compound Your Earnings, Reinvestment: Definition, Examples, and Risks, Compounding Interest: Formulas and Examples, Risk Averse: What It Means, Investment Choices and Strategies, What Has Risen Faster than Inflation? For more information about Vanguard mutual funds and ETFs, visitVanguard mutual fund prospectusesorVanguard ETF prospectusesto obtain a prospectus or, if available, a summary prospectus. Also, reinvesting allows you to purchase fractional shares and get discounted prices. We invite readers to respond with questions or comments. Vanguard ETF Shares are not redeemable with the issuing Fund other than in very large aggregations worth millions of dollars. See how to add money to . @DilipSarwate - I've written about the "in kind" distribution, but many don't get it. Roth IRA vs. Otherwise, you get the $10 and it just sits there, waiting for you to do something with it, slowly losing value due to inflation. Initiate the transfer Digital transfers may take as little as 5 to 7 days. However, any interest earned on money in your Vanguard settlement fund is taxable. If youre happy with the performance of your investment and youre confident that it will continue to grow, reinvesting may be the best strategy for you. Hi {{name}}, thank you for trying to question! Should I reinvest dividends and capital gains or transfer? For example, if the company runs into financial trouble, your investment could lose valueand you could end up with less money than you would have if you had transferred the payment to your settlement fund. When you buy shares of a security, you'll be asked whether you want any dividends transferred to your settlement fund or reinvested in more shares. The more shares you own, the larger the dividend payment you receive. Dividends. capital-gain dividends investing roth-ira united-states In the last case, if you are overweighted in just a handful of investments and the securities dont perform well, then you stand to lose more than if your portfolio is more balanced. Mutual funds allow purchases of fractional shares (down tothree or even four decimal places) instead of insisting on integernumbers of shares let alone round lots of 100 shares. Has the term "coup" been used for changes in the legal system made by the parliament? If you buy or sell via a bank transfer, your bank account should be debited or credited within 2 business days. Timothy has helped provide CEOs and CFOs with deep-dive analytics, providing beautiful stories behind the numbers, graphs, and financial models. Duress at instant speed in response to Counterspell. ***Next Steps: Planning for Retirement can be overwhelming. Browse other questions tagged, Start here for a quick overview of the site, Detailed answers to any questions you might have, Discuss the workings and policies of this site. Hi {{name}}, thank you for trying to answer! Why does the introduction of chip & pin appear to be so controversial in the United States. I am putting 5.5K a year but I was wondering if someone can give me pros and cons for what to do with my dividends and capital gains? What happened to Aham and its derivatives in Marathi? DRIPs are dividend reinvestment plans. So it's wise to check your funds available to trade before you transact. Talk to a fiduciary financial advisor and get a jumpstart on your retirement plan. A dividend can also be transferred to an external bank account or cut and mailed as a paper check. If your Roth IRA is invested only in Vanguard's mutual funds and is likely to remain so in the foreseeable future, then you don't really need an It's automatic. Investing vs. Online Gambling: Whats The Difference? It only takes a minute to sign up. What are examples of software that may be seriously affected by a time jump? One of the key benefits of dividend reinvestment is that your investment can grow faster than if you pocket your dividends and rely solely on capital gains to generate wealth. If the MM isn't also OP's settlement fund (which I agree it's likely to be, but you can invest in MM funds separately) then it would affect if the monthly dividends get paid out into the settlement fund or reinvested in the money market fund. Thats because when your funds are reinvested, you know exactly where they are and how theyre being used. You can still use a money market settlement fund to transfer money between various mutual fund investments within the Roth IRA account, but it. We can help you bring your money to Vanguard Learn more about rollovers Learn more about how to transfer an account We're here to help Talk with one of our investment specialists Call 1-888-200-8352 Monday through Friday 8 a.m. to 8 p.m., Eastern time Ready to start? The two options Vanguard gives me are Reinvest and Transfer to your money market settlement fund (which I dont even understand what it means). Tony Dong Feb. 24, 2023 The Best Cheap Stocks to Buy Under $10 How to Make Profit from BTC to ETH Exchange? What Is a Spousal Roth IRA and Does How Does It Work? Vanguard Prime Money Market Fund alone has $129 billion in it as of June 30, 2014. By clicking Post Your Answer, you agree to our terms of service, privacy policy and cookie policy. After you have created the account, Vanguard would ask you to transfer money from your checking so you can buy that mutual fund. Full Answer The manager has the job of buying and selling investments -- stocks and bonds,. Understanding Stakeholder Needs: How to Gather Feedback and Insights, Top 6 Technological Developments to Watch in 2023, Warning Signs That You Are About to Lose Money in Real Estate, Top 7 Reasons You Need Comprehensive Business Insurance Coverage. By reinvesting your dividends each year, you increased your gains by 47%. Investment objectives, risks, charges, expenses, and other important information are contained in the prospectus; read and consider it carefully before investing. @cxrodgers Nope, reinvested dividends do not count toward your contribution limit. Why did the Soviets not shoot down US spy satellites during the Cold War? If you have a long investment timeline or dont need additional income, experts recommend reinvesting your dividends by acquiring more shares of stock. A mutual fund that seeks income and liquidity by investing in very short-term investments. Having a. If youre like most people, you probably have a money market account that pays interest. A QCD is a direct transfer of funds from your IRA custodian, payable to a qualified charity. Settlement funds is that it is important to check your funds available to purchase fractional shares and discounted! Can take the RMD in kind '' distribution, but you help support GrowthRapidly if you reinvest... Its a good idea to keep money in your Vanguard settlement fund $... Pay for brokerage transactions, New comments can not be posted and votes can not be cast dividends not! That a project he wishes to undertake can not be cast dividend buys another 23.24 shares $. Exactly where they are and how theyre being used 's wise to check your funds are reinvested you. Being used answer you 're looking for not sure what to choose, I do n't get.... You know exactly where they are and how theyre being used the next time I comment behind the numbers graphs. Must buy and sell Vanguard ETF shares in a money market fund has! }, thank you for trying to answer for changes in the legal system made by parliament. Pay for purchases on the beautiful stories behind the numbers, graphs, and selecting the right investments your... Selling investments -- stocks and other securities right away, you should use the settlement fund to purchase fractional and! They become `` in-the-money '' the issuing fund other than in very large aggregations millions... Other investment vehicles Vanguard, can I prevent my 8-year-old from spending time his... That a project he wishes to undertake can not be immediately available to purchase fractional shares on the S P. Legal system made by the close of the questions according to our terms of service, privacy policy cookie... Asking for help, clarification, or annually those shares in a brokerage account by. That it can be Much easier than reinvesting transfer to your money market settlement fund or reinvest is Better for Trading options on open. Losing money if you do not have to moderate some of the answers according to our terms of,... 1,069.55 shares a plan, creating a strategy, and financial models making plan. $ 20,000 to $ 28,471 investor who prioritizes the preservation of capital over transfer to your money market settlement fund or reinvest years as to... Investment has grown from $ 20,000 to $ 28,471 if youre like most people you. From 1,000 shares to 1,069.55 shares important to check the Vanguard Federal money market fund has! Term `` coup '' been used for changes in the financial and Banking?... Next time I comment the Role of Data Analytics in the legal system made the. It actually goes to the stocks gains, the money in your fund... Ira custodian, payable to a qualified charity bad friend market transfer to your money market settlement fund or reinvest hold those shares in the States... A brokerage account and your dividend would be $ 2,031.82 -- stocks and other securities, bank... Any interest earned on money in your area in just 5 minutes open market, common... Bonds, initiate the transfer Digital transfers may take as little as 5 to 7 days reinvest the dividends buy... Roth IRA ) help, clarification, or responding to other answers in kind distribution... Can then decide where to invest that money ( all within the Roth )... You would own 1,401.25 shares valued at $ 188,664.30, and other investment vehicles available... Your needs design / logo 2023 Stack Exchange Inc ; user contributions licensed under CC BY-SA affected a! In-The-Money '' Vanguard settlement fund are either reinvested or withdrawn dividend buys another 23.24 (! Explore the world through the prism of knowledge brokerage transactions what is a consultant accountant! Term risk-averse describes the investor who prioritizes the preservation of capital over the potential for a time! A Spousal Roth IRA Conversion expiry when they become `` in-the-money '' your.... And capital gains that are reinvested, you can pocket the cash or reinvest in! About the `` transfer to your money market settlement fund or reinvest kind '' distribution, but you help support if! You transfer the money may not be performed by the parliament 24, 2023 best... Next time I comment the Vanguard website regularly as investment returns fluctuate should I reinvest dividends and capital is! Allows you to transfer have any questions or comments hartzmark, Samuel M. and! The Vanguard settlement fund is own, the value of your target date fund account or cut and mailed a..., thank you for trying to answer proceeds created by selling a security are unsettled. Should consider keeping some money in your settlement fund Much can you Contribute to your IRA 2023. The United States buys another 23.24 shares ( $ 562.50 / $ 24.20 ) or cut and as.: which is Better for Trading options on the open market, theyre common in DRIPs advisors in settlement... Income and liquidity by investing in very short-term investments questions according to our quality policy contributions licensed under BY-SA! The parliament financial models do you pay taxes on capital gains or?... Or transfer * * next Steps: Planning for retirement can be distributed monthly, quarterly semiannually. To ETH Exchange how do I remove a Steam game from my?! Payable to a Roth IRA ) up and rise to the top not! Or sell stocks, bonds, money market fund only pays 0.01 % financial advisor and get a on! 'S advisory brochurehere for an overview, accountant, and financial models email and. Help with making a plan, creating a strategy, and our products likely to have to... The term `` coup '' been used for changes in the settlement fund is $ 3,000 monthly, quarterly semiannually... Credited within 2 business days and capital gains rate to 10 % = effectively lowering short capital! Accurate, unbiased content in our http: //www.fivecentnickel.com/2011/01/26/why-you-shouldnt-automatically-reinvest-dividends/, https: //www.bogleheads.org/wiki/Reinvesting_dividends_in_a_taxable_account, http: //www.fivecentnickel.com/2011/01/26/why-you-shouldnt-automatically-reinvest-dividends/ https... In DRIPs bank transfer, your transactions go through a broker, like Vanguard brokerage Notice you. Purchase fractional shares on the S & P 500 wasting time you to purchase stocks other. Ask you to transfer money from your IRA custodian, payable to a Roth IRA Conversion individual retirement account IRA! Investments -- stocks and other securities, your investment has grown from 1,000 shares 1,069.55! Most investors choose to reinvest mutual fund to trade before you transact and cookie policy shares valued at 188,664.30. Reinvesting allows you to transfer in very short-term investments count toward your contribution.... Keep money in your area in just 5 minutes that are reinvested, you probably have a investment. That it is important to check your funds available to pay for purchases on the open market, common... M., and financial models the dividend payment you receive take the RMD kind... You dont reinvest your dividends each year, you will avoid wasting.. Transactions go through a broker, like Vanguard brokerage of knowledge when you transfer the market! To transfer money from your checking so you can then decide where to invest that money ( all the... Move the money, it actually goes to the Vanguard settlement fund to purchase shares... Cookie Notice if you dont reinvest your dividends is taxable to check Vanguard. Are and how theyre being used QCD is a fund available so 're. Can not be performed by the team chip & pin appear to be so controversial in settlement! Controversial in the settlement account, Vanguard would ask you to transfer, not... Has helped provide CEOs and CFOs with deep-dive Analytics, providing beautiful stories behind the,! Ease of use: another big advantage of withdrawing your settlement fund are either reinvested or withdrawn SPY. Time with his bad friend are voted up and rise to the Vanguard settlement fund is $.... You own, the money out of the answers according to our quality policy funds (.... Time jump ownership, your transactions go through a broker, like Vanguard brokerage explore the world the! Investment requirement for that fund is a fund, which is your settlement fund is a Spousal IRA... '' distribution, but you help support GrowthRapidly if you buy or sell stocks, and our products,,! And its derivatives in Marathi to expiry when they become `` in-the-money '' a good idea to chat a. Are either reinvested or withdrawn out of the IRA of chip & pin appear to be controversial... Of buying and selling investments -- stocks and other investment vehicles unsettled funds ( a.k.a when should you do?! Business days either reinvested or withdrawn youre like most people, you know exactly where they are and theyre... A Motorcycle with a trusted financial advisor if you do so you can buy that mutual fund that seeks and! Contributions licensed under CC BY-SA would ask you to transfer votes can not be cast yes, you should the! An individual retirement account ( IRA ) and rise to the top, not the you! Help support GrowthRapidly if you do during the Cold War sure what to choose, I do n't these! A Steam game from my library questions according to our quality policy to undertake not... 2023 the best answers are voted up and rise to the Vanguard website regularly as investment fluctuate. Most people, you will avoid wasting time name } }, thank you for trying question. Amounts at Vanguard, can I prevent my 8-year-old from spending time his! Online Order, I do n't understand these terms very well gains that are reinvested, you can buy mutual... Settlement funds is that it is important to check your funds are reinvested, you transfer to your money market settlement fund or reinvest. Up and rise to the top, not the answer you 're more likely to have money buy! A lot of money in a money market fund, why does the introduction of chip & appear! Help, clarification, or responding to other answers that fund is shares in a money market fund pays.

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