Money Market Funds -

Often pay significantly more than traditional bank savings.

Money market funds (MMFs) are a low-risk, high-liquidity investment staple, often used as a "cash-plus" strategy to park money while earning more interest than a standard savings account. money market funds

Unlike bank accounts, these aren't government-guaranteed; you could lose money, though it's rare. Often pay significantly more than traditional bank savings

They buy "boring but safe" assets like U.S. Treasury bills , certificates of deposit (CDs), and commercial paper (short-term corporate loans). high-liquidity investment staple

You can usually access your cash within 1–2 business days.