Friday, October 15, 2010

Link exchange

  1. Pasang Iklan Baris Gratis Tanpa Daftar - Pasang Iklan Baris Tanpa Daftar Gratis Langsung Tayang!
  2. Promosi Tercanggih - Arenapromo.com Jaringan Pertukaran Link Gratis
  3. World money index
  4. Free money Making money

Monday, August 23, 2010

Money Funds

Money Funds

Mutual fund money market accounts, also called money funds, are different than the Money market count offered by FDIC-insured banks. Technically, money funds are a type of mutual fund. Money funds can be purchased directly from mutual fund companies or purchased inside a brokerage account. Similar to a bank checking account or money market account, many money funds offer check writing and online transfers. Money funds are required by SEC regulations to hold short-term debt obligations and cash instruments in their portfolio with a weighted average maturity of 90 days or less. Yields on money funds vary based on portfolio holdings and market conditions. Historically, money funds have been able to maintain a $1 net asset value and prevent any loss of principal by investing in high-rated commercial paper, government-backed financial instruments, and U.S. Treasury securities. Money fund assets invested before September 19, 2008 may be guaranteed by the Treasury Department for participating funds.

Money Funds Update

Yields on money funds remain well below 1%, with a majority funds offering 7-day effective yields below 0.10%. Yields have crept up slightly in the last month, but still have a long way to go before they compare favorably with the best bank money market account rates. The highest yields posted on the MoneyRates.com list of money funds are the TCW Money Market Fund and the PayPal Money Market Fund, managed by Barclays Global Investors. The TCW Money Market Fund is offering a 0.24% yield and the PayPal account is currently yielding 0.16% with a minimum deposit of only $1 for new investors. Unlike most money funds, the PayPal Money Market Fund has a maximum account balance, currently set at $100,000. The increase in money fund yields is expected to continue, although slowly, as funds start to reinvest some of their securities at better rates of return.

Investors have withdrawn millions of dollars from money funds this year, partially due to their increased confidence in the US market and the higher rates earned on CDs and savings accounts. In some cases, an investor who parked money in a bank money market could receive 100 times more income than an investor who parked funds in a mutual fund money market account. A rate disparity this great is very hard for anyone to ignore. The biggest advantage for an investor in holding cash in money funds today is the price stability in comparison to other types of fixed-income securities. Bonds, US Treasury securities, and bond funds can lose value as interest rates increase. Money funds are designed to maintain price stability with a $1 net asset value. This could be very important in the future if interest rates increase rapidly. Despite the near-0% yields, money funds can be a strategic part of some investment portfolios.

Yields on Money Funds

The money funds listed below rank in the top third of all similar funds in terms of asset size and have expense ratios of less than 0.75%. The yield quoted is the 7-day effective yield net of expenses, which includes the compounding effect of dividends, and is a better direct comparison to the annual percentage yields (APYs) that are frequently quoted by banks. Some yields may include subsidies from mutual fund companies to keep their yield at or above 0.00%. Check with the mutual fund company directly for the most current yield and further information on specific funds.

Friday, August 20, 2010

Money funds money transfer

Money funds money transfer.
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