Are Money Market Funds Safe?

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Information Are Money Market Funds Safe?

Title	:	Are Money Market Funds Safe?
Lasting	:	17.55
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Views	:	57 rb

Investments are the roots of financial security; the deeper they grow, the stronger your future will be"
Comment from : @HenryLucask5l

CSH2 has fallen this week (026 or so), why does this happen?
Comment from : @nellyboy365

uSMART has a cash management product with a return of over 4, and it's a fixed income option You can withdraw at any time without a penalty
Comment from : @AndeeLee-yi4ot

Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge
Comment from : @Mongarnsamuel

Retail boom?
Comment from : @karleells6540

I was listening to you through out, the word short term was repeated many times but not defined at all I kept on waiting to hear the length of short term wàs it one, two, three months or one, two years?
Comment from : @metrom8009

With such low return isn’t a GIC of 45 better?
Comment from : @Musica-hj6zh

Very good explanation but one risk wasn't emphasized These are equity liabilities for the issuer not debt liabilities Debt liabilities have equity behind it to pay out in an insolvency but equity liabilities don't Also there are no deposit guarantees by the government on these products If you have money on deposit you have deposit protection If you buy money market products your investment is unprotected Deposit protection- In UK this is £85000 In US $250000 In Australia A$ 250000
Comment from : @nickchandra4890

If I buy CSH2 this tax year, and sell it next tax year, will i use next tax years interest allowance?
Comment from : @Ed-oj3yv

What are your views on loosing FCS protection when ticking the Trading212 earn interest button what is the risk?
Comment from : @TheSmallRabbit

I use MM funds because we are actively house hunting and we don't want to pull our money from the market after a sudden crash If you're nervous about MM, just do an FDIC high yield savings - they are very close to MM now
Comment from : @flixmaster200

No !
Comment from : @robertnicholson1409

I want to understand bonds, SOFR yield curve, Money market funds, RRP in depth How do I proceed?
Comment from : @mohitsaraogi5252

Hmm, seems like some banks may be showing some cracks as commercial real estate suffers
Comment from : @Birdmacher

What are the UK tax implications on MMF returns if invested outside of ISA?
Comment from : @akshaypotdar1840

Is it normal to hold this in a general account (not isa or sipp)?
Comment from : @coderider3022

Well Ramin, I've watched your channel for a year and now feel ready to buy into a Vanguard index fund and a little in the Lyxor CSH2 It will be interesting to see how they do against my Nutmeg managed funds (Which still do very well after the management fees) brbrSo a very big thank you for all of the information (on which I have independently made my decisions 😉 ) brI used your Trading 212 code - A second thanks brI've put some token £ in and will invest properly when some Bank Bonds mature in February brCheers!😉
Comment from : @kevinuk7042

How are MM fund taxed in the UK if outside of and ISA or SIPP? Is it CGT or Income Tax?
Comment from : @Bracebarian

17:18 very hard to imagine a scenario that almost happened just earlier this year? or that wasn't it? (SVB)
Comment from : @VirtualDarKness

Interesting timing 😅 the video is 6 days old and 4 days ago Trading 212 wrote to say from January you're only going to get interest on cash if you opt in to use qualifying money market funds 🙂
Comment from : @VirtualDarKness

Thanks for all the great informative videos Raminmay sound a little stupid but how long is too long in my vanguard short-term money market fund is 6months the sweet spot? Just when do you know the right time to pull out and find an alternative fund depending on interest rates
Comment from : @JohnFord-c5l

This video demonstrates why PensionCraft is growing a thriving community of people keen to learn and educate themselves on how to make better-informed investment decisions and with access to a toolkit of high quality, informative and well-balanced content keep up the excellent work Ramin!
Comment from : @MrNickml

Glad to see Dimson, Marsh and Staunton get (yet another) mention 😁
Comment from : @festerarl6653

Thanks, and kudos for the way you've approached this subject - having watched other rather alarmist videos on certain other channels about this subject, it is good to have some commentary from someone with a cool head Rather than a clickbait headline you actually answer the question you posed in a calm and considered way
Comment from : @daveharruk

Why on UK platforms can't we invest in foreign money market funds / Emerging Market funds, surely they would carry a much higher interest rate ?
Comment from : @kygo

Thank you so much for your videos
Comment from : @justinarnold1431

Why can’t I see chs2 on trading 212
Comment from : @informer-365

Isn't holding MM funds in a "fun portfolio" an oxymoron? The only reason for holding MM funds is and has always been to avoid market volatility for access to short term cash requirements Any other reason is just gambling as you'll discover when you notice that the other asset classes have increased in price when you cure your addiction
Comment from : @elephantandcastle838

Hi Ramin, Have been watching and enjoying your videos for a long time and am one of your biggest fans Would appreciate it if you could do a video on TLT etf and TMF etf Thanks a million
Comment from : @pietrovalsecchi1680

Currently my Vanguard MM is paying me 529 That is over $2K per month and I'm happy with that I'll be retiring in April of next year so I am not wanting to take much risk If the MM payout drops below 4, I will look at alternatives
Comment from : @mmabagain

"the biggest risk is not what you might think This video is sponsored by "
Comment from : @ZeroRiskAppetite

Why take the risk of gating in MMF when you could buy individual short dated gilts? Americans can buy short term Treasuries from Treasury Direct
Comment from : @george6977

We’re not at the peak of the cycle just yet Another couple of years to go (based on average of 18 years) Crashes are getting bigger
Comment from : @scotdoc

Should you use a money market fund? As as a 2 year bufferbrIn case your main pension fund Crashes
Comment from : @seanbyrne2220

Such a great channel
Comment from : @alkerbix

Would love some sort of reminder type video about the 2008/2009 crisis in the format of how you linked to articles on FT in this video
Comment from : @MagicNash89

What does chastising the banks actually mean, a strongly worded letter/call?🤣
Comment from : @MagicNash89

Is there any way for common man to be able to buy only UK Treasury Bills and avoid MMFs?
Comment from : @Vikas-pv3ie

I use L&G Cash fund within tax efficient wrappers for my cash holdings approx 5 of portfolio for 3 years expenses I think this is sensible, but appreciate any feedback?
Comment from : @simon1066

I’m interested in loan notes Especially for property development
Comment from : @Abdul_Rahman86

Please use Chapstick or similar Your lips are very dry and cracked
Comment from : @djayjp

Thanks!
Comment from : @krumw2

Nice segment Ramin So, in my US Vanguard Federal Reserve MM acct, monthly interest on 100k is about $550 a month On 100k in my checking acct, monthly div was 90 cents Yes, that's cents, not dollars I'm not quite ready to go back into the stock market quite yet Have been all out for past 16 months Waiting on a good dip in the general markets If there is one, will certainly scale in
Comment from : @josepha9313

Slightly alarmed that someone over 20 thinks a “normal level” for interest rates is 2-25
Comment from : @jongreenwood3029

The original Money Mark Fund in 1980's - Reserve Fund, was basically a bank account that gave limited chequing and a Debit Card (unusual in the USA) The concept was that it could take a basic customers money and merge it with others, giving leverage to buy short investments at higher rate than an individual could on their own
Comment from : @fusemunk

Excellent analysis, thanks
Comment from : @Ed-bj5eq

Great content as always Love this channel
Comment from : @lplate1000

Thank you for doing this video @pensioncraft very imformative
Comment from : @DavidLee-uh3xz

Thank you for another useful video Ramin Would Money Market Funds make a sensible third fund in a 3 fund portfolio (Eg 60 equities, 20 bonds & 20 money market funds)?
Comment from : @kostaskolotouros4345

I only hold emergency fund in CSH2 MM, I’ll hold it until the rates will be at least 4 and more, and as soon as they’ll go below I’m pulling out
Comment from : @MATIvmr

Really interesting video 😊
Comment from : @oliverjamesspicer

Great video as always I admit to skipping some beats on hearing about ceti changes and the removal of ringfencing in 2022 - I believe some return to over extended lending will return Is the current consumer boom based on depleting savings or wage rises?
Comment from : @jeffocks793

Using CSH2 To hold as of This month 2 years of expenses for my planned retirementbrWhich is in around 2-3 years TimebrConsidering a bond ladder but I could continue working so The money market fund is more flexible hopefully it's a reasonably safe optionbrPs Thanks for The video
Comment from : @hxjohn

Im using CSH2 and single short duration governments gilts like TN24 for my short term saving in my SIPP instead of bond ETFs, its just about 10 though of my overall holdings Thanks Ramin for explaining how to access these instruments and how they work in one of your previous videos I have not used these as a flight to safety but rather just for short term good levels of effective and stable interest on my cash like buffer
Comment from : @DividendInvestorUK

Thanks!
Comment from : @GavinLawrence747

As always, the only reliable non-financial advice based commentary available online
Comment from : @Graemecrompton

A question about Vanguard's Sterling Short-Term Money Market Fund Is it true that the price is always £100 if you are investing, so £1,000 will always buy 1000 units? If so, do you get the same payout at the end of the month, no matter if you invest on the 1st of the month, or the second last day of the month?
Comment from : @MattMcQueen1