货币市场账户vs. 货币市场基金:哪一种最适合你?
Distinguish these two separate entities by learning the differences.
Money Market deposit accounts 和 Money Market mutual funds products may sound alike but these accounts have unique differences. Let's take a moment to discuss both types so you can decide which one may fit your financial needs.
什么是货币市场账户?
这种帐户类型-也称为 货币市场储蓄帐户 -提供两者的好处 储蓄 和 支票账户. The customer earns interest while still being able to write checks 和 withdraw or transfer funds. Money market deposit accounts are FDIC insured, 和 are usually offered by a bank or a credit union. 这些账户可以是你的选择 应急基金, because money can be easily accessed 和 the risk is relatively low..
货币市场储蓄帐户s sometimes offer higher interest rates than a regular 储蓄 account. The primary difference from 支票账户s is that money market 储蓄 accounts are typically limited to six transfers or withdrawals per month 和 may have a minimum balance requirement. Transfers to a third party are also limited to six per statement cycle if made by check, 汇票或借记卡(销售点).
Accounts that don't meet these conditions may be subject to a fee 和/or closed.
什么是货币市场基金?
也被称为货币市场共同基金, they are an 投资 product that you can purchase at brokerage firms or 投资 companies. These seek to preserve the amount invested by maintaining a net asset value (NAV1)每股1美元. They may also produce a small, but not guaranteed, return for the investor. Portfolios are comprised of short-term (less than one year) securities representing high-quality, 流动债务和货币工具. Examples include short-term obligations issued or guaranteed by U. S. corporations or state 和 municipal governments, high-grade commercial paper 和 U. S. 美国国债. 货币市场共同基金没有联邦存款pp王者电子官网公司的pp王者电子官网. 既然这是一项投资, the minimum opening deposit may be larger than the one required to open a money market account.
Money market funds are not appropriate for individuals that are seeking an 投资 that is likely to significantly outpace inflation, 为退休投资 or other long term goals 和/or investing for growth or current income. These type of accounts may be convenient to place funds for the short term before you decide 如何进行长期投资.
总之, a money market deposit account or money market mutual fund may be a good fit for you if you are seeking an 投资 for the cash portion of an asset allocation program, are looking for an 投资 with a lower degree of risk during uncertain economic times or periods of stock market volatility, 和/or consider yourself a saver rather than an investor.
