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FoundationsStock Alerts + Tools0:45Fixed Income

Nearly Cash, and Not Quite

Money market funds hold very short, very high-quality paper and are close to cash — but they are investments, not deposits.

0:45 · 6 scenes

This lesson is part of a Stock Alerts + Tools plan.

What the lesson covers

  1. 0:00A money market fund is not a bank account, however similar it feels.
  2. 0:05What they hold. Very short, very high-quality instruments — Treasury bills and top-rated paper.
  3. 0:14The distinction from a deposit. A bank deposit is insured against loss. A fund holds securities that have a price.
  4. 0:23The three types. Government, prime and municipal, with different holdings and different rules.
  5. 0:32The rare failure. Breaking the buck has happened, and liquidity gates exist for exactly that scenario.
  6. 0:40Treat it as a very safe investment, not as insured cash.
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Educational content only. MadStockAlerts provides market commentary, research, and educational content. It is not personalized investment advice, and nothing here is a recommendation to buy or sell any security. Trading and investing involve substantial risk, including loss of capital. See the Risk Disclosure and Customer Agreement.
Educational content only. MadStockAlerts provides market commentary, research, and educational content. It is not personalized investment advice, and nothing here is a recommendation to buy or sell any security. Trading and investing involve substantial risk, including loss of capital. See the Risk Disclosure and Customer Agreement.
Nearly Cash, and Not Quite — MAD Academy Training Video · MadStockAlerts