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Investors looking for higher yields without taking excessive risk often turn to prime money market funds. Unlike government money market funds, which invest solely in U.S. Treasury and agency securities, prime funds include high-quality corporate debt and commercial paper, offering higher returns while maintaining stability.
In 2025, prime money market funds remain an attractive option for those looking to maximize short-term gains while keeping their capital secure.
What Are Prime Money Market Funds?Prime money market funds invest in a mix of short-term corporate and bank-issued securities, such as: ✅ Commercial Paper (Unsecured short-term debt from corporations) ✅ Certificates of Deposit (CDs) (Issued by financial institutions) ✅ Corporate Bonds (High-credit-rated, short-term debt) ✅ Asset-Backed Securities (Short-term debt backed by loans or receivables)
These funds typically offer higher yields than government money market funds due to their diversified asset base.
Top Prime Money Market Funds in 2025 1️⃣ Vanguard Prime Money Market Fund (VMMXX) – Best for Low Fees✔ Expense Ratio: 0.16% ✔ 7-Day Yield: 5.15% ✔ Minimum Investment: $3,000 Best Prime Money Market Funds in 2025 – Higher Yields with Low Risk
Investors looking for higher yields without taking excessive risk often turn to prime money market funds. Unlike government money market funds, which invest solely in U.S. Treasury and agency securities, prime funds include high-quality corporate debt and commercial paper, offering higher returns while maintaining stability.
In 2025, prime money market funds remain an attractive option for those looking to maximize short-term gains while keeping their capital secure.
What Are Prime Money Market Funds?Prime money market funds invest in a mix of short-term corporate and bank-issued securities, such as: ✅ Commercial Paper (Unsecured short-term debt from corporations) ✅ Certificates of Deposit (CDs) (Issued by financial institutions) ✅ Corporate Bonds (High-credit-rated, short-term debt) ✅ Asset-Backed Securities (Short-term debt backed by loans or receivables)
These funds typically offer higher yields than government money market funds due to their diversified asset base.
Top Prime Money Market Funds in 2025 1️⃣ Vanguard Prime Money Market Fund (VMMXX) – Best for Low Fees✔ Expense Ratio: 0.16% ✔ 7-Day Yield: 5.15% ✔ Minimum Investment: $3,000
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