For investors with a primary goal of protecting their assets, we search the marketplace for instruments with the best yields with limited risk for investors.
Preservation of capital is an important goal for many investors. Limiting risk for all or a portion of your assets must be carefully structured, while still providing you with ready access to your funds.
StockCross offers one of the most widely used and recognized money market funds, The Cash Trust Series Federated Money Market Funds. You will be able to write checks, use a debit card and make investments with taxable or tax-free interest choices that best fit your investment objectives.
Such funds include:
Money Market Funds
Collapse all | Expand allPast performance is not a guarantee of results; your return will fluctuate. The fund seeks to preserve the value of your investment at $1 per share but is not guaranteed; it is possible to lose money by in the fund. Not insured by the FDIC or any government agency. Call us at 800 225 6196 for performance data current to the most recent month end.
The Primary Cash Series Fund:
The fund seeks to provide investors with current income consistent with stability of principal and liquidity. The fund pursues its objective by investing primarily in a portfolio of short-term, high-quality, fixed-income securities.
- Through investment in money market-eligible corporate securities, the fund offers investors a potentially higher yield than a portfolio of government money market securities.
- The fund may invest in securities rated in the highest two short-term ratings categories by NRSROs.
- A conservative weighted average maturity range helps avoid excessive yield volatility.
Treasury Cash Series Fund:
The fund seeks to provide conservative investors current income consistent with stability of principal and liquidity. The fund pursues its objective by investing primarily in a portfolio of short-term U.S. Treasuries.
- Highest possible ratings from Standard & Poor’s and Moody’s underscores the portfolio’s high credit quality and relative safety.
- Approved by the National Association of Insurance Commissioners (NAIC).
- Portfolio of U.S. Treasuries and repurchase agreements that are collateralized by Treasury securities assures a high degree of quality.
- The fund’s portfolio invests primarily in First Tier securities — the highest credit quality securities.
- By extending the mix to include repurchase agreements and Treasuries, the fund can potentially achieve higher yields than one invested solely in Treasuries.
Government Cash Series Fund:
The fund seeks to provide conservative investors with current income consistent with the stability of principal and liquidity. The fund pursues its objective by investing primarily in a portfolio of short-term U.S. Treasury and government agency securities.
- Securities in the portfolio offer relative safety as they are either direct issues of or backed by the U.S. government and/or its agencies.
- The fund’s portfolio invests primarily in First Tier securities — the highest credit quality securities.
- As compared to a fund that holds only Treasury securities, this fund seeks potentially higher yields without sacrificing much in the way of quality.
- Repurchase agreements—whereby a financial institution sells securities to a fund and agrees to repurchase them at a mutually agreed upon price and time—provide a liquidity base for the portfolio. They also may offer a potential yield advantage relative to other short-term securities.
Municipal Cash Series Fund:
The fund seeks to provide current income exempt from federal regular income tax consistent with stability of principal. The fund pursues its objective by investing primarily in a portfolio of short-term, high-quality, tax-exempt securities.
- Income is exempt from federal regular income tax.
- Municipal Cash Series’ taxable equivalent yield can be attractive for investors in higher tax brackets and it can be competitive with the yields of taxable funds.
- As compared to a fund that holds only Treasury securities, this fund seeks potentially higher yields without sacrificing much in the way of quality.
- Repurchase agreements—whereby a financial institution sells securities to a fund and agrees to repurchase them at a mutually agreed upon price and time—provide a liquidity base for the portfolio. They also may offer a potential yield advantage relative to other short-term securities.
Certificates of Deposit (CDs)
Certificates of Deposit (CDs):
Certificates of Deposit are a savings security entitling the owner to receive a stated interest and return of principal at a stated maturity date. They are usually issued by a commercial bank and may be insured by FDIC. Terms usually range from one month to five years. Some variable-rate CDs have return rates linked to various indices or other performance indicators. May be subject to investment minimums. Contact us for details.
New deposit insurance limits: On Oct. 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through Dec. 31, 2013.
Summary of Deposit Insurance Coverage
Summary of Deposit Insurance Coverage
*Structured CDs:
(Structured CD Disclosure)
Structured CDs are investment securities that banks offer with customized features typically containing embedded options or having cash flows linked to various indices of the equity markets or equities themselves.
Certificates may include step-up features with call options, inverse floating or dual indices, or other such terms. These types of terms, in addition to early withdrawal penalties and the lack of an established secondary market, may result in cash flow behavior similar to that of structured notes. Although Structured CDs can be riskier than a normal CD, they may be insured by FDIC for 100% protection of principal with interest terms based on the note's structure.
Certificates may include step-up features with call options, inverse floating or dual indices, or other such terms. These types of terms, in addition to early withdrawal penalties and the lack of an established secondary market, may result in cash flow behavior similar to that of structured notes. Although Structured CDs can be riskier than a normal CD, they may be insured by FDIC for 100% protection of principal with interest terms based on the note's structure.
Structured CDs may not make regular interest payments and offer limited upside potential. Please read the Structured CD Disclosure. For more information on Money Markets or CDs, please contact our Financial Specialists at 800 225 6196.