Your Money Market Fund Really

For Daryl Soliah, online investing is the same as the investment by telephone or by mail, except to invest online is safer, faster and cheaper. The bulges Internet with information useful enough to make all its own investment advisor. To start trading online, however, Daryl must establish a money market fund joint account with an investment company. Cash can be parked on the account get an interest rate market, but quickly withdrawn or transferred appears when an investment opportunity. Unfortunately, there are dozens of different money market mutual funds in Canada. Is it important that the money market funds Daryl chooses? What characteristics should be sought in a money market fund?

Although there are risks in all investments, some guarantee repayment at maturity of the amount invested, as the Treasury of the Government of Canada. These investments offer a guaranteed minimum return of basis on which all other statements can be compared. If an investment portfolio should include long-term stocks for their higher expected return, it should also include fixed income securities and cash equivalents at the stable value and flexibility. The category of cash equivalents includes debt instruments such as short-term Treasury bills and money market mutual funds.

A money market fund sells shares and uses the proceeds to invest in the short term (90 days or less in the average maturity), debt securities negotiable. The short-term maturity and appearance Securities Guarantee to help ensure that the NAV of a money market fund, the price at which shares are purchased by or sold to the fund remains the same (usually $ 10 per action). It is usually paid per day, at a rate that varies daily. Fund expenses, the lowest among all types of mutual funds, out of portfolio income, which affects the rate paid to shareholders.

The differences between money market funds, in part, depending on the characteristics of securities the fund invests. Titles can be no default risk Treasury bills or default risk of commercial paper. The securities may be relatively short or relatively long maturity. Differences also exist between funds in the financial services provided to shareholders, such as check writing privileges and transfer of funds or access to online trading.

Daryl's father, Lyle, a production manager at Bombardier, the calls to see how new jobs Daryl is underway. Daryl took a chance and asked for advice on selecting a money market fund. "If you need a place to park your money until your next investment in clothing or hi-fi," Daryl father responds, "buy Treasury bonds, not mutual funds. You should know that mutual funds are not guaranteed. When I was your age, I already owned four bills. And here's another idea ... "

Daryl stops listening and decided to select one of three money market mutual funds recommended by his sister-in-law: MacKenzie Money Market Fund, Fidelity Canadian Money Market Fund Altamira and Treasury bills. But perhaps the safety of direct investment Treasury bill is really the determining factor. If not, how should we choose between the three money market funds? What interest rate should be expected Daryl on a money market account? If all else fails, many of these funds "parking" could be controlled on behalf of Daryl interest. Convenience may outweigh the return by another cent and the lack of proximity and rolling stock mutual fund brokerage accounts.


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