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Money market funds provide investors a secure and liquid way to manage cash for short-term financial goals. By combining stability with accessibility, these funds aim to preserve capital while offering modest, steady returns.
Money market funds are mutual funds that invest in short-term, high-quality debt securities. These typically include:
- Cash and cash equivalents: Instruments like certificates of deposit (CDs) and repurchase agreements.
- Treasury bills: Government-issued securities with short maturities.
- Corporate and municipal bonds with high credit ratings: Low-risk debt issued by highly rated institutions and municipalities.
The primary objectives of money market funds are to preserve capital, provide liquidity, and generate modest, stable returns. These funds are regulated, such as by the SEC in the U.S., to minimize volatility and maintain stability.
Money Market ETFs offer an alternative way to invest in money market funds with distinct features. They provide accessibility by being traded on stock exchanges, allowing intraday buying and selling similar to stocks. These ETFs are generally cost-effective, with lower expense ratios than actively managed mutual funds. They also offer transparency through daily disclosure of holdings.
Money Market ETFs combine the characteristics of traditional money market funds, such as liquidity and capital preservation, with the added convenience of ETF trading.
Examples of Money Market ETFs available on Vested
| Name | Symbol | Type | Prospectus |
| Texas Capital Funds Trust, ETF | MMKT | Money Market-Taxable | Link |
*Verify fund details and yields for the latest updates, as these can change with market conditions.
