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.

Filter by
Sorted by
Tagged with
-5 votes
1 answer
179 views

How to start with cryptocurrency? [duplicate]

Understanding Forex and crypto trading: Currency Pairs: Forex involves trading currency pairs, such as EUR/USD (Euro/US Dollar) or GBP/JPY (British Pound/Japanese Yen). The first currency in the pair ...
Esdras Zongo's user avatar
0 votes
1 answer
132 views

Risk of bonds bought on the primary and the secondary markets respectively

Let's suppose investor 'A' buys $100,000 of US inflation-linked treasury bonds, and that investor 'B' buys $100,000 of an ETF that tracks the exact same type of TIPS. Let's suppose that, after ten ...
Martel's user avatar
  • 1,281
6 votes
2 answers
380 views

is the treasury bill portion of a bond fund subject to state/local taxes?

Assume we have some fund (like a money market fund) with x% of the capital in treasury bills. Treasury bills are not state or local taxed. If I invest some capital into this fund, is my entire portion ...
JobHunter69's user avatar
2 votes
0 answers
131 views

Is it safe to buy a money market ETF that historically has large intra-day spikes when I can't set a limit order?

I'm investing on InvestEngine which lets you buy ETFs at market rate, but there's no limit order functionality. I'd like to buy a money market fund to try to get a better interest rate than banks will ...
Kit Johnson's user avatar
-2 votes
1 answer
68 views

Calculate the return rate from the initial and final fund value

I'm trying to calculate the compound return rate from multiple variables: the initial fund, the final fund and the period. Suppose I have $10000 right now, if I can do a compound return rate at 10%, ...
daisy's user avatar
  • 579
2 votes
0 answers
50 views

What is the difference between 7-day yield and gross 7-day yield of a money market fund?

Federated Hermes Government Reserves Fund Class A (GRAXX) has a 7-day yield of 3.96 while it has a gross 7-day yield of 4.84. I wonder what is the difference between two attributes and how are these ...
KnowledgeSeeeker's user avatar
0 votes
0 answers
737 views

How does HSAV ETF convert interest income into capital gains income? (canada)

I came across this ETF Fund from Horizons called HSAV, which invests the money across Canadian bank high interest savings accounts. Rather than redistribute interests like a money market fund, the ...
pf_init_js's user avatar
-3 votes
2 answers
172 views

Are there any downside in investing in a municipal money fund instead of purchasing municipal bonds assuming the money fund's yield > muni bond yield?

I wonder whether there exists any downsides in investing in a municipal money fund instead of purchasing municipal bond, assuming the money fund's yield (tax-free) is higher than the muni bond yield (...
Franck Dernoncourt's user avatar
3 votes
2 answers
146 views

What is the catch in Money Market Funds ( core account)?

I see some of the money market Funds are yielding higher than the online-banks Schwab Value Advantage Money Fund® Investor Shares (SWVXX) is yielding 4.47% FIDELITY GOVERNMENT MONEY MARKET ( SPAXX ) ...
puzzled's user avatar
  • 1,016
1 vote
1 answer
142 views

How can a fund have negative "Net Other Assets"?

This is the composition of the Fidelity Government Money Market Fund (SPAXX): How is it possible that the "Net Other Assets" is negative?
Flux's user avatar
  • 17k
3 votes
2 answers
1k views

What is a Government Money Market Fund?

I have a 401K and is currently invested. I have an option to rebalance part of the investment to a Fund called SPAXX https://fundresearch.fidelity.com/mutual-funds/summary/31617H102 Can someone ...
wonderful world's user avatar
1 vote
3 answers
409 views

Who is buying all the debt?

Please bear with my limited knowledge of monetary systems. I've got degrees in Comp Sci and Math, and i work as an ml engineer, so I'm pretty used to numbers. But, i simply can't wrap my mind around ...
Alan's user avatar
  • 19
0 votes
2 answers
104 views

Having a doubt in understand a particular topic from Financial Market [closed]

I am reading about money markets and there is the following section: "Money market is the short term financial market of an economy. In this market, money is traded between individuals or groups ...
Rajorshi Koyal's user avatar
2 votes
1 answer
194 views

What does this mean,"Reinvigorating Human Capital"?

This was one of the six pillars of the Union Budget for the year 2021 for my country.It would be great if someone can explain me this.
Rajorshi Koyal's user avatar
1 vote
1 answer
90 views

Rundown on minimum initial investments?

I found while looking at money market/purchased money funds that while there is no minimum initial investment for SWVVX ("investor shares") there was a minimum initial investment of $1,000,...
Gramatik's user avatar
  • 427
2 votes
1 answer
228 views

Is this Money Market Fund giving negative yield?

I had a question about interpreting money market fund metrics that was answered here, but which raised a new question. Schwab SWVXX is a money market fund which has a Gross Expense Ratio of 0.34% and ...
Gramatik's user avatar
  • 427
1 vote
1 answer
102 views

What's the best option to put excess cash now? [closed]

We currently hold 65% of our bond portfolio in a high yield savings acct, which is currently paying 0.5% APY. When we first started putting money in this account in Aug 2019, it was paying 2.5% APY. ...
user65003's user avatar
0 votes
1 answer
2k views

Difference between 7-Day Yield and Average Annual Total Returns?

I'm looking at "FIDELITY GOVERNMENT MONEY MARKET" and there's two numbers: 0.01% 7-Day Yield and 0.75% Average Annual Total Returns. I don't understand the difference between these two ...
JobHunter69's user avatar
1 vote
1 answer
3k views

Can I overdraw my cashapp card?

Can I overdraw my cashapp card if it starts with a positive balance to buy diapers and food and Walmart? I have $1.09 on my card and laid off right now. I have no 211 resources anywhere near my area.
Savannah Diehl's user avatar
1 vote
2 answers
204 views

Why is Residential mortgage not traded in a money market?

Which of the following instruments is not traded in a money market? A) Residential mortgages. B) U.S. Treasury Bills. C) Negotiable bank certificates of deposit. D) Commercial paper. The answer ...
Betty's user avatar
  • 125
3 votes
2 answers
3k views

Why are some money market mutual funds not margin-able for 30 days?

My broker has a money market mutual fund where I can park the money when not invested, but that position does not give margin buying power for next 30 days. Per article part shown below. Example of ...
Raj's user avatar
  • 3,492
2 votes
1 answer
104 views

Help to understand money market fund total return

Take Schwab money market fund as an example - On the page of SWVXX, the following information is listed - yields: 7-day yield (without waivers) - 1.44% net expense ratio: 0.34% returns (annualized): ...
B Chen's user avatar
  • 1,029
1 vote
1 answer
619 views

Is the assertion 'loans create deposits' true in banking? [duplicate]

I have read that banks don't really need deposits to make loans but rather it is the other way round. I thought that banks could only lend out money that customers deposited. If this is the wrong ...
Melwin 's user avatar
0 votes
1 answer
145 views

Is there a way to find out who is buying or selling off large volume of stocks?

Is there a way to find out who is buying or selling off large volume of stocks? Is there a software/web program for this?
Jack's user avatar
  • 1
0 votes
1 answer
142 views

Difference between money market and capital market?

What is the difference between the capital market and the money market? What is the difference between the agency market vs dealer market? Which of these two is more liquid? What asset classes ...
Muthu Vivek's user avatar
1 vote
0 answers
46 views

How to distinguish the difference between Market Profile according to Volume and Price?

Recently, I am concerned about using Market Profile in trading. There are two ways using Market Profile including either consideration of volume or change of price. Generally speaking, if we consider ...
John Vissly's user avatar
2 votes
1 answer
341 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 ...
Aditya's user avatar
  • 395
1 vote
0 answers
37 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.
xan's user avatar
  • 11
9 votes
2 answers
20k 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 ...
Ind's user avatar
  • 217
3 votes
1 answer
128 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 ...
B Chen's user avatar
  • 1,029
1 vote
1 answer
84 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 ...
Saurabh Tiwari's user avatar
4 votes
4 answers
2k 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 ...
Ken - Enough about Monica's user avatar
3 votes
1 answer
400 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?
KnowledgeSeeeker's user avatar
2 votes
2 answers
192 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....
Ken - Enough about Monica's user avatar
1 vote
1 answer
691 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?
WHY's user avatar
  • 197
2 votes
3 answers
667 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 ...
Ant's user avatar
  • 137
5 votes
3 answers
391 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 ...
colorlace's user avatar
  • 223
18 votes
1 answer
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 ...
temporary_user_name's user avatar
2 votes
3 answers
446 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 ...
user avatar
0 votes
1 answer
2k 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. ...
I am the Most Stupid Person's user avatar
2 votes
6 answers
250 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 ...
Ken - Enough about Monica's user avatar
2 votes
1 answer
756 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 ...
V_Singh's user avatar
  • 255
2 votes
2 answers
551 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 ...
Jo415's user avatar
  • 21
1 vote
2 answers
246 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, ...
ruief's user avatar
  • 119
1 vote
1 answer
74 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 ...
user avatar
3 votes
2 answers
1k 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?
Travis Reeder's user avatar
3 votes
1 answer
190 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 ...
user541686's user avatar
  • 3,369
1 vote
2 answers
289 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 ...
gwar9's user avatar
  • 469
6 votes
1 answer
869 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 ...
Daltoniana's user avatar
1 vote
4 answers
1k 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 ...
j.howard's user avatar