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1
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2answers
59 views

Considerations for holding short-term reserves?

About 20% of my income comes in at the beginning of each year from being a business owner. For the past few years, I've been keeping reserves needed to hold me over to the next year in a money market ...
5
votes
6answers
358 views

Should I move my money market funds into bonds?

My money market account interest rate is down to 0.70%. I checked Bankrate and it looks like the most I could get in another money market account is 0.91% which is abysmal. I would like to put the ...
0
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2answers
85 views

Where do I buy low risk securities?

I am looking for places from where I can buy low risk securities (like money market funds). Basically I want to invest my emergency fund in these kind of investments in order to keep up with ...
3
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3answers
77 views

Taxable money market fund vs. tax-free money market fund for emergency money?

I am trying to choose between a taxable or tax-free money market fund for my emergency money. What are the high level guidelines to choose one over the other? I know that the tax-free typically has ...
6
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1answer
131 views

Lower risk short-term investment during periods of low interest rates

I've been reading about the basics of personal finance and most resources suggest investments based on benefits that don't seem to exist when interest rates are as low as they are. For instance: I've ...
7
votes
6answers
673 views

My investment account is increasingly and significantly underperforming vs. the S&P 500. What should I do?

I have an investment account, opened in my name by my father years ago that I just discovered 4 months ago. It has actually been doing decently well in the last 4 months since I discovered it. I ...
2
votes
1answer
389 views

Are money market instrument and short-term debt same?

I am learning some basic concepts in investment. Here is my questions: Are money market instruments and debt (short-term) same? From the two links I provided, they look almost the same to me, ...