If you want to be little more conservative with your investments, try money market funds. As such, you should expect relatively low returns than bond, equity, and balanced funds. But they are much more liquid with short holding periods, if any.

Nevertheless, they are a good alternative to bank deposits if you want to park your money temporarily. There are around 10 money market funds in the market today — couple of mutual funds while the rest are unit investment trust funds.

As always, you have to consider factors such as historical returns, fees, minimum initial investment, additional contributions, holding period, and management. Established in , the ATR KimEng Money Market Fund formerly known as the ATR KimEng Fixed Income Fund is designed to seek a return through investments in fixed income securities of Philippine and non-Philippine companies and debt obligations of the Government of the Republic of the Philippines and its instrumentalities.

The BDO Peso Money Market Fund is a peso-denominated fixed-income fund suited for corporate and individual clients who are risk averse and are looking for safe investments with yields higher than those of savings and time deposit accounts. This fund aims to preserve capital and generate income from low risk investments by investing the Fund in fixed-income securities with a portfolio weighted average life of not more than one year.

It is ideal for those who are looking to invest over the short to medium-term, to finance interim projects like a home renovation or a family vacation.

A peso-denominated money market unit investment trust fund that aims to provide investors with enhanced yields for their short-term liquidity needs by investing in a diversified portfolio of short-term, highly liquid fixed-income securities, term deposits, and other money market instruments. Portfolio duration is one year or less.

The Metrofund Starter is designed to provide better returns with necessary liquidity that meets your need for wealth building, invested in a diversified portfolio of fixed income securities.

The Fund is a peso-denominated money market fund suited for clients who have an investment horizon of at least six months, can tolerate a low degree of risk and are focused on preserving the value of their investment.

The Signature Trust Fund is a UITF that aims to provide investors an alternative outlet that offers earnings and liquidity, encouraging them to be an active player in the domestic capital market, supporting its growth.

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The Dragon Fund is a peso denominated money market UITF product which pools together funds of various investors for investment and reinvestment in a relatively short term portfolio of fixed income instruments comprised mainly of government securities, time deposits and other tradable securities. It is suited to conservative investors who are looking for moderate and relatively stable returns over the next 90 days but want immediate access to their funds when they need it.

Symbolized by the strength and stability of a Molave Tree, the Molave Fund is a low-risk investment product ideal for those who want to maximize the earning potential of their funds.

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A peso-denominated UITF that provides investment opportunities to clients looking for above-average returns and invested only in highly marketable fixed-income securities, scrutinized for their good credit quality. Sun Life Prosperity Money Market Fund was the first money market mutual fund in the Philippines. It is also the first absolutely no load fund in the country, meaning there are no fees to pay upon investing. So which money market fund to invest in?

Is the BDO Peso Money Market Fund still running? Your email address will not be published. MoneySense is the country's only magazine on personal finance. We provide you valuable information about earning, saving, spending, borrowing, investing, and protecting your wealth.

Wednesday, June 21, Converge ICT Solutions, Inc. MoneySense Personal Finance Magazine of the Philippines Save, spend, and invest wisely. February 16, April 22, moneysense 2 Comments money market. ATR KimEng Money Market Fund Established in , the ATR KimEng Money Market Fund formerly known as the ATR KimEng Fixed Income Fund is designed to seek a return through investments in fixed income securities of Philippine and non-Philippine companies and debt obligations of the Government of the Republic of the Philippines and its instrumentalities.

November 1, Minimum Participation: BDO Peso Money Market Fund Banco De Oro Universal Bank The BDO Peso Money Market Fund is a peso-denominated fixed-income fund suited for corporate and individual clients who are risk averse and are looking for safe investments with yields higher than those of savings and time deposit accounts. April 01, Minimum Participation: Monday, April 04, Minimum Participation: Custody fee Net Asset Value Per Unit NAVpU: Infinity Peso Money Market Fund EastWest Banking Corporation A peso-denominated money market unit investment trust fund that aims to provide investors with enhanced yields for their short-term liquidity needs by investing in a diversified portfolio of short-term, highly liquid fixed-income securities, term deposits, and other money market instruments.

March 01, Minimum Participation: P per withdrawal; custody fee Net Asset Value Per Unit NAVpU: Metrofund Starter Metropolitan Bank and Trust Co. April 04, Minimum Participation: Net Asset Value Per Unit NAVpU: PBCom Signature Trust Fund Philippine Bank of Communications The Signature Trust Fund is a UITF that aims to provide investors an alternative outlet that offers earnings and liquidity, encouraging them to be an active player in the domestic capital market, supporting its growth.

August 04, Minimum Participation: Diaz;Ana Perez; Julie Go E-mail: RCBC Dragon Fund RCBC The Dragon Fund is a peso denominated money market UITF product which pools together funds of various investors for investment and reinvestment in a relatively short term portfolio of fixed income instruments comprised mainly of government securities, time deposits and other tradable securities.

March 28, Minimum Participation: RCBC Savings Molave Fund RCBC Savings Bank Symbolized by the strength and stability of a Molave Tree, the Molave Fund is a low-risk investment product ideal for those who want to maximize the earning potential of their funds.

April 25, Minimum Participation: SB Secure Peso Fund Security Bank A peso-denominated UITF that provides investment opportunities to clients looking for above-average returns and invested only in highly marketable fixed-income securities, scrutinized for their good credit quality.

July 01, Minimum Participation: Sunlife Prosperity Money Market Fund Sun Life Financial Sun Life Prosperity Money Market Fund was the first money market mutual fund in the Philippines. Outsmarting Investment Scams May 27, moneysense 1.

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