1.0     INTRODUCTION

Whenever
a bear market come along, investors realize that the stock market is a risky
place for their savings. It’s a fact we tend to forget while enjoying the
returns of a bill market, unfortunately, this is part of the risk or return
trade off. To get higher returns, you have to take on a higher level of risk
for many investors, a volatile market is too much to stomach so an alternative
is the money market.

The
money market is a financial market where short and medium terms finances are
sold and bough. However, individual investors have access to the market through
a variety of different securities.