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Retirement Planning: A Solid Solution

They may not be glamorous or bringare usually funds that purchase
extreme returns. But then, they aren'tshort-term debt from tax-free
meant to. Recently, money market mutualorganizations, like state or local
funds have found their way into a broadgovernment. While their yield is usually
variety of investor's portfolios aslower, you have the potential of saving
their returns have increased and theirthe difference in taxes.
attractive reliability has continued.Many money market mutual funds also
Between June 2004 and September 2005,offer an advantage if you're invested in
money market yields increased from overseveral other types of mutual funds
a half a percent, to 2.89 percent,within the same fund company. A money
according to an Associated Press storymarket mutual fund can act as temporary
in early-September 2005.1 A rather largestorage if you sell off assets in a
jump to say the least.mutual fund and wish to keep them in the
Serving as a temporary investmentfund company before investing in another
vehicle for those not ready to invest,fund. In comparison to other options,
money market funds are generally athis is a relatively easy way to
short-term savings tool that, intransfer money between funds and still
comparison to many investments, ispotentially benefit while you choose
considered safer and more reliable.your next mutual fund investment.
Using the advantages of a mutual fund, aMoney market mutual funds can serve a
money market version typically investsvariety of investors but can be most
in a variety of things including CDs,attractive to smaller investors. Many
U.S. Treasury securities andhave easier withdrawal features
debt-obligations. By investing in aincluding check writing or wire transfer
money market mutual fund, you're alsoif you choose to close or move money
benefiting from a possibility of higherfrom an account. Always consult with a
returns than those available fromfinancial professional before deciding
individual investment in a CD or moneywhat investment moves to make. They may
market account.be able to guide you to a better option.
An investment in a money market mutualInvesting in a money market mutual fund
fund is not insured or guaranteed by theis meant for an investor with a specific
Federal Deposit Insurance Corporationset of circumstances and objectives.
(FDIC) or any other government agency.They certainly aren't glamorous, and
Although money market funds seek tothey won't help you retire in style any
preserve the value of your investment attime soon. But they may be able to offer
$1.00 per share, it is possible to loseyou tax savings, which is always
money by investing in these funds.attractive.
Tax savings are another potential plus.1 Meg Richards, "Money-Market Mutual
You may be able to take advantage of aFunds Surge," Associated Press,
tax-free money market mutual fund. TheseSeptember 4, 2005.



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