Money Market Placements are low-risk debt instruments that mature in one (1) year or less.

Money market investments are ideal for investors who are looking for short-term placements that will give better yield than a regular savings account. Money market investments are relatively safe and used as parking for excess funds that you might use in a year or less. Examples of money market placements are time deposits (TDs), Treasury Bills (T-bills), and pooled funds invested in money market placements. Money placed in TDs earn from the interest paid by the bank who issued the TD. If you invest in T-Bills, you earn by buying the security at a discount and getting the face value of the security upon maturity.

*Amount paid out when the T-Bill was purchased

**Amount received upon maturity

• Invest directly in individual securities issued by a government or corporation. The investor is the one who assesses and makes the decision on which security to purchase.
  

• Buy units/shares of a collective investment scheme or a pooled fund thereby indirectly investing in securities issued by a government or corporation. In this arrangement, various investors/participants pool their money and entrust the same to a fund manager, who will be the one to select and buy the underlying securities as allowed by the pooled fund's objective and policies .
  

Contact your Relationship Manager or visit the nearest BPI branch to learn more about Money Market.