<prompt> Human: I was recently told that Moneymarkets accumulate faster than savings. so I begane checking them out. At ally I see that they have a money market return of .95 I compared that to their savings return.. which is also .95. so both grow at the same rate.1. Generally, is the assumption that money markets return better than savings correct?2. What reasons would I choose a Money Market over a savings account? is liquidity the only advantage?3. I am also told Money Markets have no risk. is this correct?Thanks in advance!  <response>: 1. This was probably the case 10-15 years or more ago. The advent of high-interest online savings account eliminated any difference. Even in the 80s and 90s though, you could often find high-interest checking accounts and special savings accounts that completed with money market accounts for the best interest rates.2. Traditionally Money Market accounts had less liquidity than savings accounts. They often allowed limited check writing and a limited number of withdrawals per month. These days there isnt much of a difference at all.3. Most Money Market accounts, like savings accounts, are federally insured. Just make sure where ever you bank is FDIC or NCUA insured; thats about as no risk as you can get. 