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Vanguard new york municipal money market fund’s investment objective is to seek to provide current income that is exempt from both federal and new york personal income taxes while maintaining a stable net asset value of $1 per share The fund is intended for new york residents only The earlier you begin saving for retirement, the less money it could take Learn more about average retirement savings and when to start saving with vanguard. What is an expense ratio An expense ratio reflects how much a mutual fund or an etf pays for portfolio management, administration, marketing, and distribution, among other expenses The cost is taken out of the fund's returns before they're passed on to investors You'll almost always see it expressed as a percentage of the fund's average net assets (instead of a flat dollar amount) Learn about historical market benchmark performance and see how investing sooner could affect your returns. A brokerage account is an investment account that allows you to buy and sell a variety of investments Compare and learn how to open a brokerage account. Wondering what a stock exchange is Learn how stock exchanges such as the new york stock exchange play a role in the market by connecting buyers and sellers.