Stack Exchange Network

Stack Exchange network consists of 175 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.

Visit Stack Exchange

Questions tagged [money-market]

For questions relating to high liquidity, short term fixed income instruments including, but not limited to, Treasury bills, repos and Bankers' acceptances.

0
votes
1answer
96 views

Best way to invest money for an year if I will leaving the country?

My US visa expires next year and I have about 50k in savings that I want to invest for a year. I like Marcus by Goldmansachs plan. They seem to offer 3.1% on 5-year deposit. But how do I withdraw the ...
1
vote
0answers
31 views

money market funds lock-up shares

Do money market funds in the U.S. offer locking up shares for short-term (less than three months)? The analogy I'm thinking of is checking v/s savings accounts offered by commercial banks.
8
votes
2answers
12k views

How does tiktok company earn money? [closed]

I would like to know how does the company tiktok make or earn money? They're not showing any ads, but their users are increasing and their video upload rate is increasing. Even they have 500 ...
3
votes
1answer
96 views

when money market funds have comparable yields to CD maturity rates, is it obvious money market funds trump

(in light of added questions from others, my question is slightly edited) New to investment and only recently did I notice that in the US some money market funds generate 1.5-2.3% yields, which are ...
1
vote
1answer
81 views

Why today i.e. 31st Aug is being called the First day of September series in trade market

I read this post today, on 31st Aug . Why does it mention today as 1st day of September series. Shouldn't tomorrow be the first day ? I do not have much knowledge regarding this. I tried to google ...
0
votes
0answers
55 views

Comparing a savings account to a money market fund

I am looking at a savings account with 0.15% APY. I am comparing it to a money market fund with a 0.64% expense ratio, 1.65% 7-day yield, 0.65% YTD total returns, and 1.04% 1-year returns. I'd like ...
5
votes
4answers
648 views

What's the point of a savings account, when I can put savings in money market?

Everything I throw into my brokerage account and don't invest automatically buys money market (shares?) I've been keeping my emergency fund in a savings account. Should I do this, when I presumably ...
3
votes
1answer
134 views

How come Money Market Funds always return a NAV of $1

I searched few articles and read that MMFs manage to keep their NAV equal to 1 but never understand how they do it. Can you please explain it in simple terms?
2
votes
2answers
164 views

Saving account vs. money market - do my numbers add up?

My savings account has 0.15% APY. I use it as an emergency fund. I was thinking about moving much of it to a money market fund. This fund's expense ratio is 0.64%, and its 5-year total return is 0....
1
vote
1answer
543 views

How do interest rates affect money market account rates?

If the Federal funds rate increases, will money market apys also increase? If they increase, would it be better to go with money market than a CD?
2
votes
3answers
437 views

How can U.S. prevent counterfeit if the U.S. dollar bills have no expiry date? [closed]

Counterfeit bills are a big problem for governments, so they periodically update their bills to add several security features aimed at preventing counterfeit bills. But I imagine that for this to ...
5
votes
3answers
353 views

Is it totally legal to refuse the payment of mature commercial paper debt?

I was reading up about commercial paper on investopedia. It says that commercial paper is a form of short-term unsecured debt. It then goes on to say that Commercial paper is not usually backed ...
19
votes
1answer
3k views

Why does the Morningstar overview of VMMXX say 81% cash?

I was reading about Vanguard's Prime Money Market Fund, VMMXX, whose investments are characterized thusly by Investopedia: The holdings include U.S. Treasury bills (T-bills) with a 24.1% portfolio ...
2
votes
3answers
266 views

How to measure a currencies valuation or devaluation in relevance to itself

Usually when currencies are devalued, the percentage change is given in relevance to USD or EUR. Is there a way to measure the currencies change in value to itself or to all the world's currencies ...
0
votes
1answer
962 views

Why can't the government print money SECRETLY not getting risk of exchange-rate? [closed]

I am not asking Why can't poor countries just print more money? because I know if a country print lots of money, demand of their currency will be reduced and it will affected to exchange rate. ...
2
votes
6answers
218 views

Money market account for emergency savings

I have an emergency savings in a normal savings account. I noticed that the money I have with my bank for trading stocks, that isn't in stocks at the moment, is in a money market account. I read ...
3
votes
1answer
611 views

How safe are money market accounts with online banks like CapitalOne?

I received a promotional offer from CapitalOne where they are offering 1.00% interest rate for deposits above 10K. I wanted to know how safe is such investment with online banks vis-a-vis regular ...
2
votes
2answers
436 views

Shift from aggressive investment to Money Market

I want to move my aggressive 401k funds to a conservative Money Market within the same 401k program and hold for a year or so. I have less than 10 years till retirement and don't want to lose the way ...
1
vote
2answers
177 views

What are the downsides to high-interest savings accounts?

Most US banks offer vanishingly small interest rates on their money market savings accounts, while many others offer rates around 1.0%. Assuming that I keep my deposits below the FDIC insurance limit, ...
1
vote
1answer
69 views

Regulation changes for money market IRAs limiting transfers or rollovers?

I have a money market IRA at Chase, and I recently received a letter about upcoming policy changes related to this kind of account. It noted that the changes were in response to new regulations, but ...
3
votes
1answer
570 views

Can you lose money in Vanguard money market settlement fund?

Same as the title: Can you lose money in Vanguard money market settlement fund?
4
votes
1answer
152 views

What's different about a “money market” account here?

For Bank of America's eBills feature, you can select a "pay-from" account that is from another bank. However, they require it to be a checking or a money-market account, not a savings account: I was ...
1
vote
2answers
262 views

How to best diversify savings as a young person

looking for everyone's two cents here. I'm 25, I have a good paying job (75k) and am able currently pay down my debt (student loans) at twice the rate necessary (800 a month). I have just over 25k ...
4
votes
1answer
651 views

Bank money market account vs. Brokerage money market fund

I would like to ask about the differences between BMM's and Brokerage money market funds (besides one being an account and the other being a fund). What are the pro's and con's of one and the other? I ...
1
vote
4answers
596 views

Investment strategy for a 20 year old with about 30k in bank account

I just turned 20. I'm in the Army, I came back from over overseas 6 months ago. In January 2016 I invested 5500 in a Roth IRA and 9500 in stocks with Edward Jones. Altogether as of now I've gained ...
1
vote
0answers
139 views

Does government track wu transfer?

I have been sending money to my family back in China over year now and probably sent 25000. But last week I was trying to send it through wu agian and they put it on hold and decline saying it ...
1
vote
1answer
42 views

What is the name of the financial service that holds deposits for an exchange? [closed]

I want to set up a fx currency market (the barrier is low in my region). Instead of getting a license to hold customer deposits for trading, I've been told that there are institutions that hold ...
1
vote
1answer
435 views

Why invest in money market funds, when its return is lower than a high-rate savings account?

RateSupermarket.ca displays, for a deposit of $50,000 CDN, high-rate savings accounts (abbreviated as HRSA) that yield as highly as 1.75% from Implicity Financial, 1.50% from Scotiabank, and 1.05% ...
2
votes
4answers
14k views

Is there any drawback in putting all my 401K into a money market fund?

As you may know, the stock market drops like crazy, I did sense that a couple weeks ago and transferred some of my fund to money market - well, at least to keep it as dollar value... However, I am ...
5
votes
1answer
33k views

How to understand “Money Market Purchase” and “Money Market Redemption” transactions in stock account?

In my stock account (TDAmeritrade if it matters), there are many transactions with description "MONEY MARKET PURCHASE", "MONEY MARKET REDEMPTION", "MONEY MARKET REDEMPTION (MMDA1)". What are they? ...
1
vote
1answer
484 views

Investing money 101

I feel really bad for posting this because I'm completly unable to make a proper search about my question. There is a very high chance that this is more than duplicate, and I apologize. I would like ...
-1
votes
2answers
135 views

How do I buy and sell money as an investment online?

In the foreign exchange and money markets what are the commonest ways to trade in currency online? I'm based in the UK.
10
votes
7answers
9k views

What is the smartest thing to do in case of a stock market crash

What would be the best thing to do, if the stock market crashes? Should one invest in real estate, fonds, bonds or stocks? Or should one invest nothing at all? Edit: Since it seemingly was not ...
1
vote
1answer
435 views

What percent of your portfolio should be in a money market account?

I am wondering how much (if any) of my liquid assets should be in a money market account. It's worth mentioning that I think this varies a lot based on how big your portfolio is. For example, you ...
3
votes
1answer
161 views

How to compare goverment bonds to generic money market position?

I know that the bonds are higher risk investment so I'd like to compare the bond funds/ETFs with the market sweep offered by account to decide on proper mix. However I'm confused of how to read ETF ...
0
votes
2answers
1k views

Do money markets fluctuate during market crashes?

Do money markets exhibit any sort of fluctuations during a stock market crash? Is it any different than placing your money in a bank? I am interested in VMMXX, but google finance only has a chart ...
0
votes
1answer
346 views

What happens if someone destroy money? [closed]

I am sorry if i am posting my question in wrong place but, i just want to know what happens to the economy of a country if someone burns or destroy money? I know it increases every unit price of money ...
9
votes
3answers
410 views

Money Market Account

What is a Money Market account and what is its function? How does a money market work and can it protect large amounts of money? I want to protect my money and the FDIC only protect up to $250k. I don'...
4
votes
1answer
667 views

Should I care about the expense ratio of the money market fund that holds excess cash in my brokerage account?

In my vanguard roth IRAs brokerage account, uninvested/excess cash is kept in a money market fund, VMMXX. I dont care about earning return on this money; I just keep it in cash to help with ...
0
votes
2answers
596 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 ...
6
votes
6answers
559 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
votes
2answers
149 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 inflation....
3
votes
3answers
192 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
votes
2answers
376 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 ...
8
votes
6answers
1k 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 ...
5
votes
1answer
1k 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, ...