Money Market Funds
First, a little on money market funds and money market rates. Money market investments are considered cash investments because of their shorter-term maturities and because they are relatively liquid, with almost immediate access on request. For this reason and because such funds are low-risk investment vehicles, money market rates are typically lower than longer-term investment vehicles or equity-related investments.
To access the money market, you invest in a money market fund, which offers a certain money market rate. These money market funds invest your money elsewhere and pay you a return, typically in the form of a monthly dividend based on the money market rate.