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10 Parks near Tillamook, Oregon
Garibaldi, Oregon 8.23 miles NW
Rockaway Beach, Oregon 11.92 miles NW
Pacific City, Oregon 18.34 miles SW
Tillamook, Oregon (map) | (503) 728-3094
Sites: 20 | Latest Rate: $25.00 | 7 Reviews
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Sep 2015 - $25.00
Really nice place to stop for a night or more. We looked at several places in the Tillamook area and this was definitely the best one. Of course, we wouldn't have even known about it if not for RV Park Reviews. We were getting desperate to find a place to stay for the night, when I read about Ashley Inn RV Park on the website. We loved it. So quiet and the sites are very roomy. We had cell phone (AT&T), WiFi, Dish TV and local radio. We liked it so much we came back a week later and stayed here again. Great place! - Bobbi1948
Sep 2015 - $25.00
As advertised, this is RV Parking on concrete at the back of the Inn with water and electric. It is a clean, quiet spot to spend the night. Very close to everything there is to do in Tillamook. There were only two others there the night we stayed. - thekites
Aug 2015 - $25.00
Courteous, helpful check-in, questioned $24.90 rate, was told increase occurred recently. All spaces available except 3, was told to pick a site, park and return for paperwork completion. All paved asphalt roadways, concrete pads w/patio, adequate space for RV and tow on both pull thru and back-in spaces. Electrical and water readily acceptable, Wi-Fi from Inn worked well, still checking for dump station availability elsewhere but managed 4 days well w/o dump. Nearby Starbucks, Burger King and across from Kroger/Fred Meyer Supermarket where many RVs overnight on their parking lot, too. Would stay here again despite price increase charged minus dump accessibility due to location and proximity to Herron and Tilamook Cheese factories. Breakfast @ $5 not especially a great deal unless one simply doesn't want to eat in your RV, very pet friendly and open spaces for walking pets nearby. - westieRVer
Tillamook, Oregon (map) | (541) 842-8596
Sites: 27 | 0 Reviews
Tillamook, Oregon (map) | (503) 842-7443
Sites: 22 | Latest Rate: $15.00 | 15 Reviews
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Jul 2015 - $15.00
It is a nice park for the price. Only $15 with Passport America (cash or check only for this rate). Full Hookups, cable, wifi. The wifi was excellent. Spaces are small if the lot is full (they put two RVs side-by-side in a pull through space), but if it is not full, the lots are pretty wide. Close to the beach, Tillamook, etc. They also rent crab and clamming gear here. - fiveina5th
Jun 2015 - $15.00
I called the park at 9:00 am on a Friday and we were immediately accomodated for the weekend. Our host was friendly and helpful with all our needs. When we arrived he let us chose the site we wanted and helped guide me in. Easy with 32' mh, could be tougher with larger rigs. Unhooking a tow'd before entering the park would be helpful if arriving on a busy weekend. This is an older park but seems nice and safe. - PacNorwester
Oct 2014 - $15.00
Price reflects Passport America discount. All hookups worked fine, WiFi was excellent. Owner is very friendly and accommodating. There is a small laundry but we had no need for it this trip - but it was very inexpensive. We stayed here for three days due to a medical emergency and thankfully the hospital is only about five miles from here and was excellent. - Da Keeffes
Tillamook, Oregon (map) | (503) 842-4981
Sites: 231 | Latest Rate: $1.00 | 34 Reviews
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Aug 2015 - $1.00
All paved roadways in camping loops, paved campsite pads, mostly dirt areas surrounding parking spaces w/fire pits; camp hosts circulate wood sales from 5-8 PM to each site, beach accesses multiple depending on campsite loop, some open areas allow mobile satellite dish access, cell phone service limited. Compliments to both camp hosts and Ranger staff to make 5 day stay an enjoyable, memorable occasion. - westieRVer
Jun 2014 - $31.00
We actually paid zero because my husband is a disabled vet. Nice park but for mosquitos. We stayed inside. The sites are fairly close and some sites had to share fire pits. - lb0456
Apr 2014 - $22.00
Watch out for the potholes on the county road leading to the park. Park roads and site pads paved (good condition). There was a pretty beat up table on the site as well. There is a notice posted that budget cuts have forced some deferral of maintenance. Our site pad was not level, but I was able to fix that. All hookups worked fine. No Wi-Fi or TV. That hardly mattered as this place is for relaxing and walking the beach. For that it gets a 10. - Onemoretrail
Tillamook, Oregon (map) | (503) 842-5201
Sites: 30 | Latest Rate: $35.00 | 11 Reviews
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Aug 2014 - $35.00
This is just a gravel yard with rows of power/water pedestals and sewer hookups. The sites are narrow, barely long enough for a 40-footer, but are level and will do for a night or two at best. You can make the turn into the row of pull-throughs down the center of the park with a big rig if you unhook your toad. There are no trees in this area of the campground, a few picnic tables are scattered around the park, no fire rings at RV sites. Bathrooms were old and in need of renovations, showers are coin operated. Laundry room was clean, free Wi-Fi worked well. Office hours are random at best as is the friendliness of the owners. Loud road noise 24/7 so windows closed and earplugs in. - Road Train
Aug 2013 - $35.00
The only good thing about this park is the location, close to the Cheese Factory. Small, gravel only, hard to maneuver a truck and 32FT TT. I will say the staff was very friendly, but the general condition of the park makes us give it a low rating. We will not stay here again. - Sergent Major
Jul 2013 - $35.00
If you want a pull through gravel site across the street from the Cheese Factory on loud, busy 101, here it is. We were ok with this place for an overnight , although it didn't seem worth $35 (31.82 GS) especially when the shower cost 50c for 6 minutes and is scalding hot, without any dials to change the temperature. Highway noise is painful outside; somewhat tolerable inside. Cable TV was very good. Sewer caps are quite highly set. Hard to recommend this park. - Annie's Song
Tillamook, Oregon (map) | (503) 842-4779
Sites: 76 | Latest Rate: $30.00 | 32 Reviews
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Oct 2015 - $30.00
Nice, quiet park is a few miles south of Tillamook. Open pull-thru sites between the trees. No problem getting in or out of sites. There were a lot of 5ers and motorhomes. Gravel roads and grassy sites. You will need to level your rig side to side unless you can get your tires in exactly the right spot.
Bathrooms and showers are at the back of the laundry area - large separate rooms with shower, toilet, and sink. No shower curtains so even tho' water was hot it was hard to keep the air warm being so open. Also park did not supply hand soap to use after using the facilities. Single o/h light meant room was reasonably light but sink area was darker - hard to see in the mirror (maybe that's a good thing?!).
Sani dump is on the way into the park, not on the way out.
We stayed one night. We would stay here again. - DCM/JMB
Jun 2015 - $30.00
Stayed for a few days in the area. We checked out most of the RV parks in the Tillamook area and found this to be the better of the parks. It has very clean bathrooms and laundry room with good prices to wash and dry. This park could be amazing with just a little work on the owner's part, there is a nice river that runs through the back so make sure and take a walk. There are lots of bunnies that run around the park we did not mind them but my dog on the other had...Few things that I found on the down side, lots of live in, that just takes away so much from what could be a very nice RV park, they kind of kept them in their area, but...also the owner and permanent residents let their dogs run the park, but yet the rules say dogs must be leash, so their dogs were coming into our sight barking at our leashed dog. Sites are close to each other but the park was not full so worked out OK. Park could handle any size RV, there is NO AT&T cell in the park, they do have WiFi and it work well. - laears
Sep 2014 - $35.00
I enjoyed the treed sites and the large field for walking dogs. The Internet was adequate. We had little to no AT&T reception. Sites were almost flat, and yes, some are quite narrow and are difficult to get Into. You have to be aware of your location with respect to the power pole and trees if you have slides. The manager chastised me for walking the dogs in a part of the field that wasn't meant for dog walking. There were no signs to direct me. My dogs went crazy with all of the rabbits. Walking them was a chore. Although the rabbits are cute, I do wonder about whether there are any health risks with so much rabbit dung all over the place. For this reason I am glad I didn't have children who would want to play on the playground . - Dreaming
Tillamook, Oregon (map) | (503) 842-7152
Sites: 52 | Latest Rate: $10.00 | 5 Reviews
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Jul 2015 - $10.00
Off the highway next to the county airport. No airplane noise. Dry camping. Lots of grass and some trees. It was nearly empty when we were there. Very pleasant. - RVBeast
Aug 2014 - $10.00
This is a nice comfortable and quiet campground. I could do without the very bright street lights shining in our window at night. As mentioned other reviews, nice level well separated sites. We would definitely stay here again. Good Verizon signal for our Internet modem. - A-S_Travels
Apr 2014 - $5.00
This is what it is: a level field next to the airport with no hook-ups. It is dry camping. We used this as our base to explore the area: the blimp hanger (see the future us uncertain), the cheese factory, the 3-Cape drive, the lighthouse, etc. and the coast. We would definitely stay here again. - swike
Tillamook, Oregon (map) | (503) 377-2124
Sites: 50 | Latest Rate: $27.00 | 36 Reviews
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Sep 2015 - $27.00
Price reflects weekly rate. We stayed 2 weeks. Small, clean, well maintained park. Excellent onsite manager. Easy in-out even for big rigs. Sites are a little tight but better than many places. Picnic tables. Good utilities including usable WIFI and cable TV. Cable required decoder box box installation, not a problem, just a hassle if staying just one or two nights. No dog park, but Kilchis Point Nature Reserve across 101 has excellent trails to walk to bay.
Showers cost $.25 for three minutes, which I thought a little odd, but they are clean and really hot. - bobcovey
Aug 2015 - $29.00
Linda was extremely polite and helpful. She even brought our mail to our RV. Sites and roads are adequate for big rigs and they have both pull-thrus and back-ins. Some shaded sites. Gravel roads and pads are level. Convenient to US 101, Bay City and Tillamook. - Bill and Pat
Jul 2015 - $27.00
We were there over the Fourth of July. Very busy. Still, it was nice. We've stayed here before and would stay here again. Close to Tillamook, the Cheese Factory, markets, restaurants. No trees so our satellite worked well. Dog friendly. - Camper Don
Tillamook, Oregon (map) | (503) 842-4200
Sites: 21 | Latest Rate: $20.00 | 4 Reviews
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Jun 2015 - $20.00
Elks Members only, about 5 miles South of Tillamook. Park Side setting. 10 Long RV Pull throughs, 11 back ins. About 50 acres of mowed grass surronding RV sites, clubhouse Full Hook Ups, Super Fast WiFi. Verizon ok.
Dog Friendly. Friendly Host, they take reservations. Might be the Best Elks Park in the Coast. Bay Breeze Golf Course and Alderwood Golf Course about 6 miles North. Will always stop. - silverado
May 2015 - $20.00
Most Elks clubs that have rv spaces are parking lots near the club itself. Not this one. This one is in the countryside set in a meadow surrounded by mountains and trees. It is about 5 miles south of Tillamook just off the 101. Very quiet spacious sites with full hookups. - Mainlygoing
Sep 2013 - $20.00
Located about 6 miles south of Tillamook Elks Lodge at mile marker 71 on Hwy 101. Very large grass area with gravel pull-throughs and back-ins. Strong Wi-Fi, no Cable, Verizon OK. Pet friendly and Big Rig Friendly. Very helpful Park Hosts. Grounds kept spotless. Will be back. - silverado
Tillamook, Oregon (map) | (503) 322-0052
Sites: 25 | Latest Rate: $25.00 | 3 Reviews
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Jul 2013 - $25.00
This is a gravel lot, all back in. The driveway is wide and the area quiet. That is the end of the nice things to say. There is no sewer. They only take cash. And there is an astounding fee of $40 to dump, even when you stay. I have never seen such a fee before and will never stay here again. Only 30 amp service. - red baron
Aug 2010 - $29.00
This campsite has a lot of potential because it's nicely situated on the river and just 5 miles from Tillamook. Our spot was near the office and was paved and level with full hookups. Because we were near the office, we had good WiFi reception. There are lots of (run down) permanent trailers stationed on the sites, that sadly gives this campsite a rundown look. The reason we give this campsite a low rating of 6 is because of the restrooms. The restrooms are absolutely disgusting! I had one shower here, which cost a quarter for 6 minutes which is a good price, the water was warm and good pressure, but the shower and the toilets were absolutely filthy. I don't mean dusty, I mean moldy, empty cans of beer and chewing tobacco, dirty clothes, etc. If the owner of this campsite would invest in cleaning and fixing both the mens and ladies restrooms, this would be a very nice campsite. - Rip3d
Aug 2008 - $25.00
Very new campground, basically a gravel parking lot. Central shower and bathrooms. Surrounded on 2 sides by levees and rivers where a dock and fishing is available. No trees. This site has no sewer hookups because of local restrictions. We were told they have applied to the city, but are having trouble getting permits because of the close proximity to the rivers. Staff very friendly and helpful. We chose this site because it was far enough away from the coast to be out of the fog and wind. We day-tripped to Garibaldi, Tillamook and other coastal towns, for fishing and crabbing. Good choice for our use. Might be rated as a "fisherman's campsite." - fulltimerdue


text: Banners at house treated as hate crime 19 Jun 2014 Police have confirmed they are treating as a hate crime an incident in which banners were placed outside a Nigerian man's house in east Belfast. Share Share Share Story by UTV Staff, Belfast Michael Abiona was due to move into the property at Glenluce Drive on Tuesday when he was met by around five people with banners reading 'local houses for local people'.The 34-year-old, who has been living in Belfast for four years, said it was "discrimination", however one of the women involved said they were protesting because they wanted the Housing Executive bungalow to be reserved for disabled or elderly people, and that it was not racial.Police removed the banners on Wednesday morning.A spokesperson said they had done so "in order to secure and preserve evidence as part of an investigation into alleged intimidation".He said the incident is being treated as a hate crime at this time, adding: "An incident is treated as a hate crime by the PSNI if it is perceived to be by the victim or any other person."Mr Abiona told UTV he is now afraid to move into the house following the protest.He said: "I applied for it as every normal person applied for it with the Housing Executive. One asked am I disabled and I said yes I am disabled. "At the end of it all I left there. Then I called my son's mum who told me that it's not good at all and she's not going to allow our son to live in such a place."The incident was widely condemned by local politicians. © UTV Share Share Share

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text: Andrew Jackson Boxcar The Presidential Boxcars Series The celebration of Lionel's renowned manufacturing tradition to American shores continues! Lionel announces the next four presidents in the series that launched the return to US manufacturing. SKU: 6-81488 Dimensions: Length: 10 1/2" Gauge: O Gauge price: 69.99 year: 2014 rail line: None Minimum Radius: O27 Scale: Traditional Catalog Year: 2014 Road Number: None Manuals Find the latest manuals in our support section. Replacement Parts Buy any replacement parts in our support section. Contact Contact a service station to fix your product


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(Photos courtesy of Chez Watts)
After knocking Thomas Almeida out in the first round, undefeated UFC bantamweight Cody Garbrandt is demanding his due respect.
A heavyweight bout between Andrei Arlovski and Josh Barnett
Thomas Almeida was 21-0 heading into his bout with
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"Sunrise, Sunset: Sarasota" Top 5 Page for this destination Sarasota by sarahjayn
Sarasota Travel Guide: 308 reviews and 550 photos
I've visited Sarasota a lot as a little one, and I lived there for four years while in college. I have to say, it's a lot nicer place to visit than live, but I think that's true of most all of Florida.
- Pros:beaches, art, New College
- Cons:jaded elderly, large difference between haves-and-have-nots, traffic
Reviews (33)
There are two locations for Two Senoritas in Sarasota. Both of them are pretty good, but I prefer the downtown one. It... more travel advice
El Greco is authentic greek food in a pretty nice setting. There's not much for vegetarians here, but they will work... more travel advice
The Hob Nob is open every day for breakfast and lunch. The best thing about this place is not the food - its the locals... more travel advice
Sarasota is home to a pretty large Amish and Mennonite community. (Check out the documentary Devil's Playground to learn... more travel advice
Things to Do (6)See All Watch the sun go down at Marina Jack
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As tourists from Scotland UK, we are always made most welcome at Joyland when we visit once a year. The line dance classes are great, no experience necessary. And the bar staff is good enough to recognise us and remember our drinks order.
These are private parties and wristbands from members of the community are required for attendance. If you show up with out one, you will be ejected from the area by the campus police. Sorry.
what a brill page
Vegetarians shouldn't write for meat eaters if they describe things as "dead delights"...it's really not very appetizing. Try Markko's on 41. EXCELLENT food and a large Vegan menu. I'd love to read your review on them.
At graduation PCP '05 a drunk townie tried to grab the gun from one of our campus police, and you now need a wristband (only given to students) to attend. If they catch you sneaking in, they will arrest you. Blame it on the drunks.
Sarah Jayn, you are a great writer, very interesting comments, and some excellent photography. Keep it up!
The Ringling Museum looks interesting--so does C'd'zan...and those rascally gators at Mayakka Park look ready to meet the unsuspecting tourist--with gusto!
Sarasota has an Amish community? I learn something new everyday!
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A few months ago, I bought a plastic casing for my tablet and a few days back I realized that the back of my tablet got some purplish stains. Is there any way to remove those stains for white tablet? Thanks.
Last edited by Lithium008; 15th January 2014 at 12:41 AM. Reason: I think i post on the wrong section, changing to other question, sorry mods.


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Madonna Has Hired A P.I. In Custody Battle For Her Son RoccoThis could get ugly real fast!
Star Of "Making A Murderer" Accuses Family Of The Crime CommittedSteven Avery maintains his innocence.
Judge Judy, In A Mere 16 Seconds, Sets The Record For Fastest Conviction EverI think it's safe to say that America's brightest don't usually make an appearance on Judge Judy. Plus, smart people don't dare try to get one passed the judge. She's hardcore! I've never seen an episode where she doesn't yell at someone.
Mom Leaves Her Kids In Food Court For Nearby Interview And Gets Arrested!
Taylor Swift's Stalker Is Trying To Get Her To Testify In Court Against Him
This Nebraska Woman Is Suing Every Gay Person On Earth!
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Melissa Rivers Suing To Find Out What Really Happened To Her Mom
Michael Jackson Fans Sue Conrad Murray for Millions Over 'Emotional Damages'"They have been subjected to ridicule and I am delighted their suffering has been taken seriously by the law," the fans' lawyer said.
Amanda Bynes Doing Better In HospitalThe meds that Amanda Bynes is being given in a psych hospital appear to be working for the troubled starlet.
Elton John Convinces Court To Dismiss 'Nikita' Copyright CaseThe Seventh Circuit Court of Appeals dismissed a suit claiming that Elton John plagiarized the hit from "Natasha," a song submitted to John's publisher years before "Nikita" hit the charts.


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The problem I have is when I hit the accelerator hard, the car will launch like a rocket the die. It will blow out the fuel pump fuse every time. I need to find the short but can. I even let one of the dealers mechanics drive the car for a couple weeks and he couldn't find the problem either. I bought some wire loom and installed it over the wires coming out of the fuel tank and it's better. Sometimes it will not blow the fuse. The next problem that came up is when I put the wire loom over the wires to protect them, and now the fuel gauge works when it wants to. It reads 3/4 to full almost all the time even when it's almpost empty. Can anyone help me out? I don't want to have to buy stock in fuses to get some of my money back :(.
by waldoc1 in Mora, MN on July 03, 2011


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We haven't done an illuminations cruise but we have done the wishes cruise. We were lucky enough to be with a group on Grand 1, it was magical in it's own way The music is piped onto the boat and it harbours up facing the MK so you can see the fireworks. It feels like you are the only people out there until you look both sides. The good thing with Grand 1 is that none of the other boats are allowed to be in front of you but it is very expensive to book Grand 1.
One thing to be careful with is that not all the firework cruises have the music piped on board, so be careful when booking. I think it's the basic pontoon boat that doesn't but I'm not completely sure.
You can book this from 180 days out on on 407-939-7529
One other thing to add to your costs is that it is customary to give the captain a gratuity.
You also get to see the Electrical Water Pageant up close


text: I am trying to assemble my computer myself. But before i go with the buying of the other parts of the computer. First let me know which is the best CPU in the market so that according to that i can assemble computer of mine. Does any one is having idea about the Best CPU manufacturer. If so then let me know about the same. A help may be appreciated. Thanks in advance.


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News Release: Associated Press News
FORT PIERCE, Fla. (AP) -- State wildlife officials are hosting two free women's fishing clinics along the east coast in central Florida.
The first clinic held by the Florida Fish and Wildlife Conservation Commission will take place on Friday in Fort Pierce followed by Saturday's clinic in Vero Beach.
A commission statement says participants will not only learn a new hobby, they'll also learn how to appreciate the marine environment with basics of stewardship, fishing ethics, angling skills, safety and the vulnerability of Florida's marine ecosystems.
Lessons include knot tying, cast netting, rod and reel rigging, boating safety, how to be a responsible marine resource steward, marine fish and habitat identification, catch-and-release techniques and more.
Fishing equipment and bait will be provided during the clinics, but participants are encouraged to bring their own gear.


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Update on MargaritaMargarita is 49 years old, a single mother of 6 children, living in Guaranda Canton, in the province of Bolívar.
V.R.C Mushuc Pakari has 10 partners working in farming, 40 minutes from the office.
Margarita sells potatoes and cheese. She is a farmer, growing potatoes, oats and mellocos (a tuber). In addition, she raises animals such as cattle and pigs.
She will use the loan to purchase fertilizer, urea, and vaccines for the cattle. The loan will help her to improve farming. She does her shopping in Guaranda Canton.
Her dream is to have good livestock. The challenge she faces is to have a house. She likes to spend her free time with her family.
Margarita tiene 49 años de edad estado civil madre soltera tiene 6 hijos vive en el Cantón Guaranda Provincia de Bolívar.
La V.R.C Mushuc Pakari está conformada por 10 socios se dedica a la agricultura a 40 minutos de la oficina.
Margarita se dedica a vender papas, queso, se dedica a la agricultura a la siembra de papas avena y mellocos, Además se dedica a la crianza de animales como son ganado y cerdos.
Utilizara el dinero del crédito para comprar fertilizantes, ures, vacunas para el ganado. Con la ayuda del credito podra mejorar la agricultura. Las compras las realiza en el cantón Guaranda. El sueño es tener una buena ganadería.
Los desafíos a los que se enfrenta es tener una casa. En el tiempo libre le gusta pasar con la familia.
Previous Loan DetailsMargarita is 47 years old, single, and has five children. She lives in Guaranda in Bolívar Province with her children (ages 28, 24, 22, 18, and 9). Margarita is a member of the Communal Bank "Pangua" which is located in the community of Pangua Chaupiyacu and part of Guanujo parish in the ca... More from Margarita's previous loan »
Additional Information
About Cooperativa San JoseThis loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador's poorest province, Bolivar. They offer a unique loan called "Ventanillas Rurales" [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ's Lending Team!
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva's lenders.
About Ecuador
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US Dollars
Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- At end of term
- Pre-Disbursed:
- Mar 13, 2013
- Listed
- Apr 15, 2013
- Currency Exchange Loss:
- Ended:
- Apr 17, 2014


text: Volkswagen Golf Hatchback (2013 -) Safety & Reliability Review by Simon McBride on 10 Oct 2012 Last Updated: 31 Jul 2015 5 This is the seventh-generation Volkswagen Golf that follows the original Mk1 launched back in 1976. It doesn't look a whole lot different from the current Golf but Volkswagen claims it is completely new. Summary Driving & Performance Equipment Comfort Costs Safety & Reliability Buying & Selling Owners' Reviews Also Consider Facts & Figures Road Tests (14) Gallery 5 out of 5 Safety Euro NCAP Provides motoring consumers with a realistic and independent assessment of the safety performance of some of the most popular cars sold in Europe. Visit Euro NCAP for more info All Golf models come with seven airbags, including a driver's knee airbag, five three-point seatbelts, ABS with ESP, XDS electronic differential lock and Isofix preparation for two rear child seats.Driver fatigue detection and lane assists are firsts for the Golf, and SE models and up are fitted with more safety kit as standard including City Emergency Braking. Volkswagen Golf safety levels are very strong. It was awarded five stars when tested by independent safety experts, Euro NCAP. 5 out of 5 Reliability The previous generation was one of the most reliable cars in its class so expect Volkswagen Golf reliability to continue to impress. The majority of the engines have been proven in either the previous Golf or other models and so will doubtless prove reliable. Car check problem points Body None reported as yet Engine/Gearbox None reported as yet Other None reported as yet Back to: Costs Continue to: Buying & Selling Car Valuations Find used car prices with Parkers accurate car valuations. Find out more Volkswagen Golf cars for sale We have 2,170 models like this for sale. Find Volkswagen Golf cars for sale


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With nearly $16 trillion in assets, the U.S. mutual fund industry remained the largest in the world at year-end 2014. Total net assets increased by $818 billion from the level at year-end 2013, boosted primarily by appreciation in stock and bond prices. Net new cash flow into all types of mutual funds totaled $102 billion in 2014. Investor demand appeared to be driven, in large part, by improving economic conditions in the United States, lower long-term interest rates, and the demographics of the U.S. population. Equity, bond, and hybrid funds each recorded modest net inflows in 2014, while index funds received substantial inflows.
Investor Demand for U.S. Mutual Funds
Investor demand for mutual funds is influenced by a variety of factors, not least of which is funds' ability to assist investors in achieving their investment objectives. For example, U.S. households rely on equity, bond, and hybrid mutual funds to meet long-term personal financial objectives such as preparing for retirement. U.S. households, as well as businesses and other institutional investors, use money market funds as cash management tools because they provide a high degree of liquidity and competitive short-term yields. Changing demographics and investors' reactions to U.S. and worldwide economic and financial conditions play important roles in determining how demand for specific types of mutual funds—and for mutual funds in general—evolves.
U.S. Mutual Fund Assets
The majority of U.S. mutual fund assets at year-end 2014 were in long-term funds, with equity funds alone comprising 52 percent of total U.S. mutual fund assets (Figure 2.1). Bond funds are the second-largest category, with 22 percent of assets. Money market funds (17 percent) and hybrid funds (9 percent) held the remainder.
Figure 2.1
Equity Funds Held More Than Half of Total Mutual Fund Assets
Percentage of total net assets, year-end 2014
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Investors in U.S. Mutual Funds
Demand for mutual funds is, in part, related to the types of investors who hold mutual fund shares. Retail investors (i.e., households) held the vast majority (89 percent) of the nearly $16 trillion in mutual fund assets (Figure 2.2). The proportion of assets held by retail investors is even higher (95 percent) among mutual fund assets in long-term funds (i.e., equity, bond, or hybrid funds). Retail investors also held substantial assets ($1.7 trillion) in money market funds, but that amounts to a relatively small share (12 percent) of their total mutual fund assets.
In contrast, institutional investors such as nonfinancial businesses, financial institutions, and nonprofit organizations held a relatively small portion of mutual fund assets (Figure 2.2). At year-end 2014, institutions held about 11 percent of mutual fund assets. One of the primary reasons institutions use mutual funds is to help manage cash balances. Sixty-two percent of the $1.7 trillion that institutions held in mutual funds was in money market funds.
Figure 2.2
Institutional and Household Ownership of Mutual Funds
Billions of dollars, year-end 2014
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1 Mutual funds held as investments in variable annuities and 529 plans are counted as household holdings of mutual funds.
2 Long-term mutual funds include stock, hybrid, and bond mutual funds.
Developments in Mutual Fund Flows
Overall demand for mutual funds as measured by net new cash flow—new fund sales less redemptions plus net exchanges—slowed in 2014. Lower demand for equity, hybrid, and money market mutual funds was only partly offset by greater demand for bond funds. Overall, mutual funds had a net cash inflow of $102 billion in 2014, down from $175 billion in 2013 (Figure 2.3). In 2014, investors added $96 billion, on net, to long-term funds, and $6 billion, on net, to money market funds. Movements in long-term interest rates, global economic conditions, evolving investment preferences, and ongoing demographic trends appeared to influence mutual fund flows in 2014.
Figure 2.3
Net New Cash Flow to Mutual Funds
Billions of dollars, 2000–2014
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* In 2012, investors withdrew less than $500 million from money market funds.
Note: Components may not add to the total because of rounding.
The Global Economy and Financial Markets in 2014
Despite a slow start, the U.S. economy turned in a moderately good performance in 2014. Gross domestic product (GDP) contracted by 2.1 percent in the first quarter as a "polar vortex" of cold weather chilled the economy in the East and Midwest. Growth bounced back dramatically in the next two quarters, with GDP expanding at a 5 percent annual rate in the third quarter, the strongest pace since the third quarter of 2003. For the full year, GDP advanced 2.4 percent, the fastest pace since 2010.
Consumer spending, which comprises roughly 70 percent of GDP, increased by 2.5 percent in 2014. Consumer confidence was buoyed by continued improvement in the housing market, lower unemployment, and declining energy prices. Home prices rose 5 percent in 2014, building on an 11 percent jump in 2013.* Steady improvement in the job market shaved a percentage point from the unemployment rate, which finished the year at 5.6 percent, down from its recession peak of 10.0 percent in 2009. Despite this progress, the labor market continued to face paltry wage gains and difficulty absorbing workers who dropped out of the labor force during the recession.
* Measured by the S&P/Case-Shiller US National Home Price Index.
Meanwhile, sharply falling oil and gasoline prices helped put more money in consumers' pockets. Inflation worries remained subdued as the Consumer Price Index finished the year up a mere 0.7 percent, with the core rate up only 1.6 percent.
With the economy on firmer footing, the Federal Reserve decided to begin reducing its most recent round of large scale purchases of long-term Treasury and mortgage-backed bonds. While this might have been expected to put upward pressure on long-term interest rates, they fell steadily over the course of 2014. Yields on 10-year Treasury bonds fell from 2.9 percent at the beginning of 2014 to 2.2 percent by year-end. Market participants cited a variety of domestic and global factors as possibly contributing to this trend, including lower expectations for long-term economic growth, the federal funds rate, and inflation.
The recovering U.S. economy spurred a 3 percent increase in after-tax corporate profits in 2014, building on growth of 6 percent in 2013. That, along with few growth opportunities elsewhere in the world, helped drive the total return on the S&P 500 to 14 percent for the year. Stock prices faltered briefly in October amid concerns about a possible "triple dip" recession in Europe, lower oil prices, and the 2014 Ebola epidemic. A second, smaller dip in worldwide stock prices occurred in mid-December over concerns that plunging oil prices might damage oil producing economies, push Europe into deflation, and threaten the U.S. energy renaissance.
U.S. stock and bond markets performed well in 2014, in part, because overseas growth remained disappointing—buttressing demand for U.S. securities. Economic growth in China slowed to 7 percent and the eurozone economy approached a near stall as possible deflation again became a concern. European stock prices* were down 10 percent for the year. In December 2014, the European Central Bank announced its intention to start its own quantitative easing in 2015. As a result of these factors, plus similar easing in Japan, the value of the dollar rose 14 percent relative to both the euro and the yen in 2014. Finally, at the end of 2014, European markets faced renewed concern about Greece, and speculation that it might be forced out of the eurozone, with unknown consequences for the European financial system.
* Measured by the MSCI Europe Index.
Long-Term Mutual Fund Flows
Given continued improvement in the U.S. economy and positive market returns, investors added a modest $96 billion in net new cash flow to equity, bond, and hybrid funds in 2014 (Figure 2.3).
While flows into long-term mutual funds are correlated with market returns, flows tend to be moderate as a percentage of assets even during episodes of market turmoil. Several factors may contribute to this phenomenon. One factor is that households own the vast majority of U.S. long-term mutual fund assets (Figure 2.2) and individual investors generally respond less strongly to market events than do institutional investors. Most notably, households often use mutual funds to save for the long term, such as for college or retirement. Many of these investors make stable contributions through periodic payroll deductions, even during periods of market stress. In addition, many long-term fund shareholders seek the advice of financial advisers, who may provide a steadying influence during market downturns. These factors are amplified by the fact that there are more than 90 million investors in mutual funds. Thus, fund investors are bound to have a wide range of views on market conditions and how best to respond to those conditions to meet their individual goals. As a result, even during months when funds see significant net outflows, some investors continue to make purchases of fund shares.
Equity Mutual Funds
Net inflows to equity funds tend to rise with stock prices and net outflows tend to occur when stock prices fall (Figure 2.4). The return on the MSCI All Country World Total Return Index, a measure of returns (including dividend payments) on global stock markets, was 5 percent in 2014 and 23 percent in 2013. At the same time, equity mutual funds received net inflows totaling $25 billion in 2014, down substantially from $160 billion in 2013. Flows to equity funds varied substantially throughout 2014 (Figure 2.5). Equity funds received net inflows of $59 billion in the first four months of the year. As the year progressed, flows waned and turned negative. For example, equity funds experienced net outflows of $24 billion in December.
Figure 2.4
Net New Cash Flow to Equity Funds Is Related to World Equity Returns
Monthly, 2000–2014
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1 Net new cash flow is the percentage of previous month-end equity fund assets, plotted as a six-month moving average.
2 The total return on equities is measured as the year-over-year percent change in the MSCI All Country World Daily Total Return Index.
Sources: Investment Company Institute and Morgan Stanley Capital International
Figure 2.5
Net New Cash Flow to Long-Term Mutual Funds
Billions of dollars, September 2013–December 2014
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* In December 2013, investors added $224 million to hybrid funds and withdrew $207 million from equity funds; in May 2014, investors withdrew $229 million from equity funds.
Note: Components may not add to the total because of rounding.
Outflows from equity funds late in the year were likely related, in part, to market volatility. The Chicago Board Options Exchange Volatility Index (VIX), which tracks the volatility of the S&P 500 index, is a widely used measure of market risk. Values greater than 30 typically reflect a high degree of investor fear and values less than 20 are associated with a period of market calm. In 2014, the daily VIX averaged just 14, but peaked at 26 in October and 24 in December. By comparison, during 2013, when equity funds had strong inflows throughout the year, the VIX never closed above 21. Lower stock market volatility during the early part of 2014 likely helped sustain demand for equity mutual funds.
Investors in the United States increasingly have diversified their portfolios toward equity mutual funds that invest significantly or primarily in foreign markets (world equity funds). Over the past 10 years, world equity funds received net inflows of $639 billion, while domestic equity mutual funds experienced net outflows totaling $647 billion over the same period. In 2013, this pattern subsided temporarily and domestic equity funds had their first positive net flow since 2005. In 2014, despite a stronger U.S. dollar, outflows from domestic equity funds resumed: world equity funds received $85 billion of net new cash while domestic equity funds experienced net redemptions of $60 billion.
The strong demand for world equity funds over the past decade also likely reflects the high returns that have been realized in overseas markets. Between 2003 and 2010, international stocks* performed better than domestic stocks, returning an average of 13 percent per year compared with 8 percent for domestic stocks. In 2013 and 2014, however, U.S. stocks significantly outperformed international stocks. In 2014 alone, the total return on the Wilshire 5000 index (float-adjusted), an index of U.S. stock market performance, was 13 percent, while the total return on international stocks was -3 percent. This sharp rise in the market values of U.S. stocks has driven up price-to-earnings ratios on major domestic indexes. For example, at the start of 2013, the price-to-earnings ratio† for the S&P 500 was 22. By the end of 2014, this value had risen steadily to 27—roughly equal to the 20-year average. When price-to-earnings ratios are low compared with historical averages, investors may view stocks as undervalued and shift assets into equity funds. This may help explain why the demand for domestic equity funds declined in 2014.
* Measured by the MSCI All Country World ex-U.S. Total Return Index.
† Measured by Shiller's cyclically adjusted price-to-earnings ratio (CAPE).
Asset-Weighted Turnover Rate
The turnover rate—the percentage of a fund's holdings that have changed over a year—is a measure of a fund's trading activity. The rate is calculated by dividing the lesser of purchases or sales (excluding those of short-term assets) in a fund's portfolio by average net assets.
To analyze the turnover rate that shareholders actually experience in their funds, it is important to identify those funds in which shareholders are most heavily invested. Neither a simple average nor a median takes into account where fund assets are concentrated. An asset-weighted average gives more weight to funds with large amounts of assets, and accordingly, indicates the average portfolio turnover actually experienced by fund shareholders. In 2014, the asset-weighted annual turnover rate experienced by equity fund investors was 43 percent, well below the average of the past 35 years.
Investors tend to own equity funds with relatively low turnover rates. In 2014, about half of equity fund assets were in funds with portfolio turnover rates of less than 30 percent. This reflects the propensity for funds with below-average turnover to attract shareholder dollars.
Figure 2.6
Turnover Rate Experienced by Equity Fund Investors
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Note: The turnover rate is an asset-weighted average. Data exclude mutual funds available as investment choices in variable annuities.
Sources: Investment Company Institute, Center for Research in Security Prices, and Strategic Insight Simfund
Bond Mutual Funds
Bond fund flows are typically correlated with the performance of bonds (Figure 2.7), which, in turn, is primarily driven by the U.S. interest rate environment. In 2014, as long-term interest rates declined, bond prices, which are inversely related to interest rates, rose. This boosted returns on bonds and bond funds. Bond funds experienced net inflows of $44 billion in 2014, compared with net outflows of $71 billion the prior year.
As 2014 progressed, investors interpreted low inflation, economic headwinds from overseas, and continued slack in labor markets as signals that rates would stay at low levels for the near future. Consequently, compared with the prior year, bond fund investors became less concerned with mitigating capital losses associated with rising long-term interest rates, which resulted in lower demand for bond funds with shorter durations. In particular, short- and ultrashort-term bond funds experienced $21 billion in net inflows in 2014, down from $32 billion in 2013. Meanwhile, long-duration bond funds—such as those whose investment mandates focus on mid- to long-term Treasury bonds, corporate bonds, or mortgage-backed securities—experienced inflows in 2014. Investors put $94 billion, on net, into these fund types in 2014, after redeeming $50 billion on net in 2013. Investors redeemed $44 billion, on net, from high-yield bond funds in 2014. Nearly all of these outflows occurred after June, when the Fed raised concerns about overheating in the high-yield bond market.
Despite several periods of market turmoil, bond funds have experienced inflows through most of the past decade. Bond funds received $1.9 trillion in net inflows and reinvested dividends since 2005 (Figure 2.8). A number of factors have helped sustain this long-term demand for bond funds.
Figure 2.7
Net New Cash Flow to Bond Funds Is Related to Bond Returns
Monthly, 2000–2014
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1 Net new cash flow is the percentage of previous month-end bond fund assets, plotted as a three-month moving average. Data exclude flows to high-yield bond funds.
2 The total return on bonds is measured as the year-over-year percent change in the Citigroup Broad Investment Grade Bond Index.
Sources: Investment Company Institute and Citigroup
Figure 2.8
Bond Funds Have Experienced Net Inflows Through Most of the Past Decade
Cumulative flows to bond mutual funds, billions of dollars; monthly, 2005–2014
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Note: Bond mutual fund flows include net new cash flow and reinvested dividends. Data exclude mutual funds that invest primarily in other mutual funds.
The aging of the U.S. population has played an important role in boosting inflows to bond funds. Surveys indicate that willingness to take investment risk declines as investors age. In a 2014 survey of households, 25 percent of those aged 35 to 49 indicated that they were willing to take above-average or substantial investment risk (Figure 2.9). In comparison, only 12 percent of those aged 65 and older were willing to take such risks.
Figure 2.9
Willingness to Take Above-Average or Substantial Investment Risk by Age Group
Percentage of U.S. households by age of head of household, mid-2014
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Note: Age is based on the age of the sole or co-decisionmaker for household saving and investing. This figure measures willingness to take investment risk for equivalent gain—for example, willingness to take above-average or substantial risk for above-average or substantial gain.
Older investors also tend to have higher account balances because they have had more time to accumulate savings and take advantage of compounding. For example, in 2014, households in which the head was younger than 35 held just 6 percent of households' mutual fund assets, whereas households headed by 55- to 64-year-olds held 25 percent of households' mutual fund assets (Figure 2.10). Larger mutual fund holdings of older age groups, combined with the tendency of investors to shift toward fixed-income products as they approach retirement, implies an underlying demand for bond funds by older investors.
Figure 2.10
Mutual Fund Assets by Age Group
Percentage of households' mutual fund assets, selected years
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Note: Age is based on the age of the sole or co-decisionmaker for household saving and investing.
The continued popularity of target date mutual funds also has helped maintain demand for bond funds. Target date mutual funds invest in a changing mix of equities and fixed-income investments. As the fund approaches and passes its target date (which is usually specified in the fund's name), the fund gradually reallocates assets away from equities toward bonds. Target date mutual funds usually invest through a fund-of-funds approach, meaning they primarily hold and invest in shares of other equity and bond mutual funds. Over the past 10 years, target date mutual funds have garnered inflows of $433 billion. In 2014, target date mutual funds had net inflows of $45 billion and ended the year with assets of $703 billion. The growing investor interest in these funds likely reflects their automatic rebalancing features as well as their inclusion as an investment option in many defined contribution plans. Also, following the adoption of the Pension Protection Act of 2006, many defined contribution plans have selected target date funds as a default option for the investments of newly enrolled plan participants (see chapter 7).
Hybrid Mutual Funds
With the exception of 2008, hybrid funds have seen inflows every year in the past decade. Hybrid funds, also called asset allocation funds or balanced funds, invest in a mix of stocks and bonds. The fund's prospectus may specify the asset allocation that the fund seeks to maintain, such as investing approximately 60 percent of the fund's assets in equities and 40 percent in bonds. This approach offers a way to balance the potential capital appreciation of stocks with the income and relative stability of bonds over the long term. The fund's portfolio may be periodically rebalanced to bring the fund's asset allocation more in line with prospectus objectives, which could be necessary following capital gains or losses in the stock or bond markets.
Hybrid funds have become an increasingly popular way to help investors achieve a managed, balanced portfolio of stocks and bonds. Over the past eight years, investors have added $436 billion in net new cash and reinvested dividends to these funds (Figure 2.11). In 2014, investors added $27 billion in net new cash flow to hybrid funds.
Figure 2.11
Investors Are Gravitating Toward Hybrid Funds
Cumulative flows to hybrid mutual funds, billions of dollars; monthly, 2007–2014
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Note: Hybrid mutual fund flows include net new cash flow and reinvested dividends. Data exclude mutual funds that invest primarily in other mutual funds.
The Development of Alternative Strategies Funds
Equity, hybrid, and bond funds offering "alternative strategies" have attracted considerable inflows in recent years. In many ways, the 2008 crisis evoked a desire among investors to broaden their portfolios and lower the correlation of their investments with the market. In response, fund sponsors created funds that provide an alternative to the long-only strategies of most regulated funds. By creating limited amounts of leverage and investing in a variety of financial securities and instruments, including derivatives, these funds permit investors to gain exposure to strategies and sectors that might be difficult for them to obtain otherwise. Many of these funds also provide investors a means of hedging against declines in various market sectors.
Alternative strategies often involve hedging long positions using options and holding short positions in securities and sectors that appear overvalued. For example, "long/short" strategies seek to provide investors with above-market returns by buying certain securities long (with the expectation that they will increase in value) and selling other securities short (with the expectation that they will decrease in value). Selling short is often employed as part of a "market neutral" strategy, in which the fund attempts to provide positive returns that are independent of market fluctuations. Another strategy, often referred to as a "relative-value" strategy, seeks to take advantage of price differentials between related financial instruments. For example, a fund may track a pair of related securities with historically high correlations and, when the prices of the two securities diverge, buy the lower-valued security and short the other until prices converge again. "Event-driven" strategies also seek lower correlations with equity markets through arbitrage opportunities, specifically those triggered by corporate events (such as mergers, restructurings, liquidations, and new product offerings). Finally, a "macro" strategy seeks to profit from anticipated changes in economic policies that may affect relative currency values, interest rates, and stock index levels.
These strategies have resonated with investors. Assets in alternative strategies mutual funds reached $170 billion at year-end 2014, nearly triple that from five years earlier ($58 billion in 2009). Ninety-nine percent of these assets are invested in funds with equity exposure (i.e., in either hybrid or equity alternative strategies mutual funds). Since the start of 2007, alternative strategies mutual funds garnered $124 billion in net new cash and reinvested dividends (Figure 2.12).
Figure 2.12
Alternative Strategies Mutual Funds Have Grown Rapidly Since the 2008 Financial Crisis
Cumulative flows to alternative strategies mutual funds, billions of dollars; monthly, 2007–2014
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Note: Alternative strategies mutual fund flows include net new cash flow and reinvested dividends. Data exclude mutual funds that invest primarily in other mutual funds.
The Growing Popularity of Index Funds
Index funds also remained popular with investors. Of households that owned mutual funds, 31 percent owned at least one equity index mutual fund in 2014. As of year-end 2014, 382 index funds managed total net assets of $2.1 trillion. Demand for index mutual funds remained strong in 2014, with investors adding $148 billion in net new cash flow to these funds (Figure 2.13). Of the new money that flowed to index mutual funds, 41 percent was invested in funds tied to domestic stock indexes, 26 percent went to funds tied to world stock indexes, and another 33 percent was invested in funds tied to bond or hybrid indexes, such as those commonly used to benchmark target date mutual fund performance. Net new cash flow into index domestic equity mutual funds grew from $52 billion in 2013 to $61 billion in 2014, a 17 percent increase.
Figure 2.13
Net New Cash Flow to Index Mutual Funds
Billions of dollars, 2000–2014
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Note: Components may not add to the total because of rounding.
Index equity mutual funds accounted for the bulk of index mutual fund assets at year-end 2014. Eighty-two percent of index mutual fund assets were invested in funds that track the S&P 500 or other domestic or international stock indexes (Figure 2.14). Mutual funds indexed to the S&P 500 managed 33 percent of all assets invested in index mutual funds. The share of assets invested in index equity mutual funds relative to all equity mutual funds' assets moved up to 20 percent in 2014 (Figure 2.15).
Figure 2.14
Funds Indexed to the S&P 500 Held 33 Percent of Index Mutual Fund Assets
Percent, year-end 2014
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Figure 2.15
Index Equity Mutual Funds' Share Continued to Rise
Percentage of equity mutual funds' total net assets, 2000–2014
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Index domestic equity mutual funds and index-based exchange-traded funds (ETFs), which are discussed in detail in chapter 3, have benefited from this trend toward more index-oriented investment products. From 2007 through 2014, index domestic equity mutual funds and ETFs received $1 trillion in net new cash and reinvested dividends (Figure 2.16). Index-based domestic equity ETFs have grown particularly quickly—attracting almost twice the flows of index domestic equity mutual funds since 2007. In contrast, actively managed domestic equity mutual funds experienced a net outflow of $659 billion, including reinvested dividends, from 2007 to 2014.
Figure 2.16
Some of the Outflows from Domestic Equity Mutual Funds Have Gone to ETFs
Cumulative flows to and net share issuance of domestic equity mutual funds and index ETFs, billions of dollars; monthly, 2007–2014
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Note: Equity mutual fund flows include net new cash flow and reinvested dividends. Data exclude mutual funds that invest primarily in other mutual funds.
Demand for Money Market Funds
In 2014, money market funds received a modest $6 billion in net inflows. However, similar to the demand for long-term funds, demand for money market funds was not uniform throughout 2014. In particular, outflows from money market funds were concentrated in the first four months of 2014, during which investors redeemed $143 billion, on net (Figure 2.17). Tax payments by corporations in mid-March and individuals in mid-April were likely key drivers behind these redemptions. Outflows abated and money market funds received net inflows of $164 billion over the second half of the year. Most of these flows went to institutional share classes of money market funds.
Figure 2.17
Net New Cash Flow to Money Market Funds
Billions of dollars, September 2013–December 2014
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* In November 2013, investors withdrew $414 million from tax-exempt money market funds; in August 2014, investors added $225 million to tax-exempt money market funds.
Note: Components may not add to the total because of rounding.
Institutional money market funds—used by businesses, pension funds, state and local governments, and other large-account investors—had a net inflow of $37 billion in 2014, following a net inflow of $27 billion in 2013 (Figure 2.18). Some of the cash generated by rising corporate profits was likely held in money market funds and bank deposits.
Figure 2.18
Net New Cash Flow to Retail and Institutional Money Market Funds
Billions of dollars, 2000–2014
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* In 2012, investors added $1 billion to institutional money market funds and withdrew $1 billion from retail money market funds. On net, investors withdrew less than $500 million from money market funds. Components may not add to the total because of rounding.
Institutions rely more heavily on money market mutual funds to manage their cash today than they did in the early 1990s. For example, in 2008, U.S. nonfinancial businesses held 37 percent of their cash balances in money market funds, up from just 6 percent in 1990 (Figure 2.19). While this portion has declined since the 2007–2008 financial crisis, it remains substantial, measuring 23 percent in 2014. Part of this increased demand reflects the outsourcing of institutions' cash management activities, which were commonly done in-house, to asset managers. Depending on the size of the cash position, the asset manager may create a separate account for an institutional client with direct ownership of money market instruments or they may invest some of the cash in money market funds.
Figure 2.19
Money Market Funds Managed 23 Percent of U.S. Businesses' Short-Term Assets in 2014
Percent; year-end, 2000–2014
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Note: U.S. nonfinancial businesses' short-term assets consist of foreign deposits, checkable deposits, time and savings deposits, money market funds, repurchase agreements, and commercial paper.
Sources: Investment Company Institute and Federal Reserve Board
Individual investors tend to withdraw cash from money market funds when the difference between yields on money market funds and interest rates on bank deposits narrows or becomes negative. Because of Federal Reserve monetary policy, short-term interest rates remained near zero in 2014. Yields on money market funds, which track short-term open market instruments such as Treasury bills, also hovered near zero and remained below yields on money market deposit accounts offered by banks (Figure 2.20). Retail money market funds, which principally are sold to individual investors, saw a net outflow of $31 billion in 2014, following a net outflow of $12 billion in 2013 (Figure 2.18).
Figure 2.20
Net New Cash Flow to Taxable Retail Money Market Funds Is Related to Interest Rate Spread
Monthly, 2000–2014
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1 Net new cash flow is the percentage of previous month-end taxable retail money market fund assets, plotted as a six-month moving average.
2 The interest rate spread is the difference between the taxable retail money market fund yield and the average interest rate on money market deposit accounts.
Sources: Investment Company Institute, iMoneyNet, and Bank Rate Monitor
Recent Reforms to Money Market Funds
The U.S. Securities and Exchange Commission (SEC) has amended Rule 2a-7, a regulation governing money market funds, several times since 1983, placing greater limits on the maturity and credit quality of the securities that the funds hold, adding diversification requirements, requiring minimum levels of liquidity for the funds, and increasing their disclosure requirements.
In response to the financial crisis, the SEC significantly reformed Rule 2a-7 in 2010. Among other things, these reforms required money market funds to hold a certain amount of liquidity and imposed stricter maturity limits. One outcome of these provisions is that prime funds have become more like government money market funds. To a significant degree, prime funds adjusted to the SEC's 2010 amendments to Rule 2a-7 by adding to their holdings of Treasury and agency securities. They also boosted their assets in repurchase agreements (repos). A repo can be thought of as a short-term collateralized loan, such as to a bank or other financial intermediary. Repos are collateralized—typically by Treasury and agency securities—to ensure that the loan is repaid. Prime fund holdings of Treasury and agency securities and repos have risen substantially as a share of the fund portfolios, from 12 percent in May 2007 to a peak of 36 percent in November 2012 (Figure 2.21). In December 2014, this share was 31 percent of prime fund assets, still more than double the value prior to the financial crisis and subsequent reforms.
Figure 2.21
Prime Money Market Fund Holdings of Treasury and Agency Securities and Repurchase Agreements
Percentage of prime funds' total net assets; month-end, 2000–2014
Download an Excel file of this data.
In July 2014, the SEC adopted additional rules for money market funds, further limiting the use of amortized cost for institutional funds that invest in nongovernment securities, and requiring that such funds price their shares to the nearest one-hundredth of a cent. Additionally, under the July 2014 rules, nongovernment money market fund boards can impose liquidity fees and gates (a temporary suspension of redemptions) when a fund's weekly liquid assets fall below 30 percent of its total assets (the regulatory minimum). The final rules also include additional diversification, disclosure, and stress testing requirements, as well as updated reporting by money market funds. Because the new rules will not be fully implemented until late 2016, it is not yet clear how the SEC's 2014 rules will affect investor demand for money market funds.
The Federal Reserve's Overnight Reverse-Repo Facility
In 2013, in an effort to gradually absorb excess liquidity from the financial system, the Federal Reserve began engaging in a new program of fixed-rate, full-allotment, overnight, and term reverse repurchase agreements. The introduction and expansion of the Fed's reverse-repo facilities over the past two years has greatly increased the central bank's role as a repo counterparty.
Through these facilities, money market funds (and other market participants) lend money to the Fed overnight or for a specified term. At the end of 2014, the Federal Reserve was the repo counterparty for 52 percent of the $654 billion in repurchase agreements entered into by taxable money market funds. This share has risen from 29 percent at the end of 2013, the year the program began.
The rise, however, reflects a strong seasonal pattern. Money market fund lending to the Fed tends to spike sharply at quarter-ends, in large part because of changes in bank regulations, especially in Europe. Historically, European banks have been a major repo counterparty to money market funds. However, European banks have generally become less willing to borrow from U.S. money market funds due to regulatory pressures, especially at the end of the quarter. Therefore, money market fund lending to the Fed via reverse-repo has offset a quarter-end decline in the share of fund investments in European banks. For example, in December 2013, 31 percent of the repurchase agreements held by taxable money market funds were issued by European banks. By December 2014, that value had fallen to 20 percent.
2014 Fund Reclassification
To reflect changes in the marketplace, ICI has modernized its investment objective (IOB) classifications for open-end mutual funds.
ICI reports data on open-end mutual funds at several levels. At the macro level, the ICI data categories—domestic equity, world equity, taxable bond, municipal bond, hybrid, taxable money market, and tax-exempt money market funds—have remained the same.
The update reclassified the categories at a more detailed level. This means that there is a break in the time series for some of the data in Fact Book.


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GreenParrot "GreenParrot"
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Kings Delight
Offered by music4sure Ca
9 used & new
5.0 out of 5 stars
Awesome Renaissance Music
Sept. 29 2000
This review is from:
Kings Delight (Audio CD)
Don't miss this CD is you love renaissance music played on period instruments. Lively and delightful to listen to. It will sweep your heart away!
Music at Matt Molloy's
Offered by Vanderbilt CA
11 used & new
5.0 out of 5 stars
This is the way to hear Irish traditional music
Aug. 29 2000
This review is from:
Music at Matt Molloy's (Audio CD)
Live and alive, this is an excellently done CD with superb sound/recording quality, catching the musicians in their joy at what they love to do and do well. Fiddler Cora Smyth has gone on since this recording to become one of the two main fiddlers in the production Lord of the Dance. Matt is excellent, as always, on his flute, with his friends backing him. Some of his friends have the spotlight. The rendition of "Kilkelly" is not to be missed. It is emotionally well-done and moving. You can hear the pub conversation as a back-drop, with the clinking of glasses and the warmth of laughter. You hear the musicians and patrons enjoying eachother's company. It is LIVE, it is Ireland, it is what the Irish traditional session is all about, and I wish more recordings like this one were made available. It's the next best thing to actually being there! If you love Irish traditional music, and Matt Molloy's style, this CD will NOT disappoint you. It is worth buying. It lives in my CD player.
Potent Pleasures
by Eloisa James
Mass Market Paperback
51 used & new
4.0 out of 5 stars
Refreshing in structure and style
June 3 2000
This review is from:
Potent Pleasures (Mass Market Paperback)
As an aspiring romance writer I have to say that it is nice to see an author who could possibly pave the way for us up-and-coming novelists to publish thoughtful and more believable stories. Personally, the mold for romance novel structure has long needed to be broken. Romances have gotten such a bad rap for so many years, because it seems the story had to be mindless and unchallenging to the brain cells. This author writes with wit and the story characters are real, she gets into their heads so that they are real people with real feelings and reasons for their actions and choices. Also, the cover was impressive because it was not a typically tacky "bodice-ripper" type, which has added to the bad view the romance genre has received. This author shows that a romance can be written with intelligence and substance, and I hope that she helps open the door to a change for the rest of us writers. Way to go, Ms. James!
The Gift
by Julie Garwood
Mass Market Paperback
65 used & new
4.0 out of 5 stars
Affectionate story
April 29 2000
This review is from:
The Gift (Mass Market Paperback)
Many seem to view the heroine as "childish" or immature, but that's not how I saw her. I do believe that Sara is a more realistic, true-to-life representation of women in that era. I tend to find romances that make the heroines too strong to be more unbelievable. You can't change history from what it was and have it still be history, so writers that make women of 200+ years ago stronger than they actually were are not writing believable stories. Sara is more the way a woman then would have been. She is a lady, and quite naive. But she learns, she falls in love, and she does survive, all while still being able to think on her own without being an ubelievable female. Her affection for Nathan, despite his faults, is quite touching, and the way Nathan learns to love in return is very charming. I really enjoy Ms. Garwood's writing style, and intend to read all her books as I can find them.
Divine Revelation of Hell
by Mary K. Baxter
54 used & new
1.0 out of 5 stars
Dangerous and deceptive
April 1 2000
This review is from:
Divine Revelation of Hell (Paperback)
This book is full of horrible deceptions, but has proven a big seller, much to the author's benefit. This book does NOT line up with scripture---at least not Biblical scripture, the one and only Word of God. In fact, the Bible has many verses that speak of people like this woman who pervert and change, and add onto scripture for their own benefit. Why on earth would Jesus Christ decide to visit this woman and take her out of her body in her sleep, and on a tour of hell? What makes her so special? The prophets of old were not enough for God to tell us what He wants us to know? What the Bible has to say about hell is sufficient. It's a place that God clearly tells us we DON'T want to go to. Believing in Jesus Christ as our only atonement for sin is the ONLY way to escape hell and spend eternity with God in the beauty of heaven. The only people who go to hell are those who reject Christ. This book is morbidly sick and depressing, and shows the author has an overactive and dark imagination. It's amazing too how she twists Bible verses around and changes their meaning to fit her purpose in this book. How convenient. She twists and manipulates God's truth until she paints a dark picture that serves only to try and scare people out of their skin. Jesus does not want us to be afraid, but to trust in Him and have the assurance of salvation through His sacrifice. He does not want us to trust Him because we're afraid of hell, but because we love him and want to live life more abundantly the way He said we could in Him. The use of fear in this author's book is no surprise, however, as the Bible does tell us that in the last days people will abandon the truth for a lie, and many will fall way to false teachings and teachers, when people will add on to scripture, take away from scripture, and speak of strange visions, happenings, and signs and wonders that are not given by God, only for their own gain. Sadly, this book sells, and the author is probably laughing all the way to the bank.
Cinders to Satin
by Fern Michaels
Mass Market Paperback
35 used & new
5.0 out of 5 stars
A Great Lovestory
Jan. 16 2000
This review is from:
Cinders to Satin (Mass Market Paperback)
I loved the way Fern told this story, and how she gave other characters their own points of view, as well as little side plots that let you in on the lives of the other characters and how they acted and reacted and felt in the story. The ending is happy, and it made me cry. It was a very touching story about human emotion and human frailty, and how you can grow and become stronger through circumstances.
Liz Carroll
35 used & new
5.0 out of 5 stars
Sept. 29 1999
This review is from:
Liz Carroll (Audio CD)
This lives in my CD player. It would be a great honor to one day be able to play as good as she does. My favorite is the G Reel for it's incredible lilting, flowing grace. This is real Irish fiddling!
Peter & Wendy
19 used & new
5.0 out of 5 stars
Delightful, Haunting, Leaves You Speechless
Sept. 27 1999
This review is from:
Peter & Wendy (Audio CD)
I just got back from seeing Johnny and Susan in concert tonight. The second half of the show was filled with the musical delights from this CD/play. It brought tears to my eyes. I highly recommend this, and anything Johnny and Susan have done. Amazing music, wonderful talent! Don't miss it.
Lady of Conquest
by Teresa Medeiros
Mass Market Paperback
38 used & new
2.0 out of 5 stars
Confusing and very frustrating at times
July 31 1999
This review is from:
Lady of Conquest (Mass Market Paperback)
Really, the only character I truly liked and cared for was Nimbus, and HE got killed off. While I understand this was to work a big twist in the storyline it was one that did not add too much sense to the plot. Why on earth would Conn have believed Gelina was responsible for, capable of, the little jester's death when Conn was supposed to be so in love with her, and he had obviously seen how much the girl clearly loved Nimbus? And why would he think she would kill the dwarf off on her ownwedding day? When it was obvious to Conn that she was so in love with him? With more insight into the characters' heads and feelings maybe this could have been more clearly laid out for the reader, and better organized, but I just found it confusing, emotionally disturbing, and a little far-fetched. It did not seem that these two characters really loved eachother, or really knew what love is. However, I do think Teresa is an excellent novelist. Her style has wit and a freshness to it in her other books. It's good that Lady of Conquest was her first book, because she has gone on to write much better storylines. It can be said that we can learn from our mistakes.
Noah's Ark [Import]
3 used & new
1.0 out of 5 stars
Why the Biblical Inaccuracies??
July 27 1999
This review is from:
Noah's Ark [Import] (VHS Tape)
Another fine example of Hollywood/TV producers trashing the Bible. No problem for them since they obviously don't believe the Good Book anyway. They gave "Noah" a back-talking, quarrelsome, sickeningly insane creature for a wife, and sons who were nowhere near the actual, true Biblical account. This slap-in-the-face portrayal really angered me...so much so that I turned it off in the first hour. I've never seen them do this kind of thing to the beliefs/sacred writings of Buddhists, Hindus, etc.; they're always doing this kind of stuff to Christians and their beliefs, and it's really getting OLD. Why is it that the Bible and it's true characters are always being mocked today in film? Read John 16:3... "And these things they will do to you because they have not known the Father nor Me (Jesus Christ)." In this dark world they take those beliefs dear to us, trash them without conscience, "rewrite" them, and then use them for ratings and their own gain, because it's so easy for them to. People of other religions would not let them get away with it so easy. It seems too easy for them to walk all over Christians today in this way. Let me point out why this "film" is a mockery to NBC and its creators: Sodom and Gomorrah did not even happen until several generations AFTER the great flood, and Lot was not Noah's friend, he was one of his descendants. How stupid do film makers wish to make themselves look just to continue to twist up the Bible they do not believe in? Atleast they could TRY to make it look like they did SOME research into this "story" they wished to televise. I doubt they even once opened a Bible. This thing should have been called "Joe Smith's Ark" instead, for this certainly is not about the Noah of the Bible. They can keep their historically inaccurate garbage...no thank you.
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text: Posted 6 Jan 2014 Things are getting a little ridiculous. I mean, I can sort of see CMS on a delay to keep the kiddies from waiting for the bus in frostbite conditions. What is daycare's excuse? 1 person likes this Share this post Link to post Share on other sites


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Essential Standards for Science
The Common Core State Standards and Essential Standards replace the Standard Course of Study beginning with the 2012-13 school year. Please update your bookmarks to ensure that you are accessing the state's new curriculum standards.
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The State Board of Education approved new Extended Content Standards based on the State Common Core Standards and the State Essential Standards in February and March of 2011. These will be operational for the 2012-13 school year. The new extended standards can be found on this webpage.


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So I did the Isla Vista crit today in Santa Barbara, and after a great performance last week I felt like crap today. Legs were sore and weak from the start of the race for some reason. I ended up feeling better towards the middle but knew I didn't have the gas to hold onto the front of the pack so I did the next best thing, launched a rediculous attack and flew out front of the pack untill I blew up . It was cool to experience what it was like to attack like that and get out front, hopefully put a little hurt on the peloton (for about 20 seconds lol). I was happy to see that the attack didn't cause me to fall of completely and I ended up brining up the back of the pack to get 38/40th.
I can't figure out why I felt so crappy, do you guys just get days like that, I had the normal time I give myself to recover (1 full day), and I got decent sleep. I was thinking maybe it was because it was an afternoon race (1:30 pm) and maybe the fact that it messed up my eating and my mind was more all over the place than it is in the morning caused the poor performance. I ended up eating a full breakfast and before snacked on a banana and a hammer bar before the race. Then I had a gel on the trainer and one right before the race.
Anything stick out to you guys?


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When will we ever learn?: Common sense and nonsense about today's public schools in America.
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Gisela Dulko became the latest player to support clothing sponsor Lacoste's unfortunate loungewear moment from this summer. We like the Lacoste brand but we've never hidden our dislike for these pajama-style get-ups they've had their female tennis players wear.
The loungewear may have had an unfortunate effect on the Argentinian, though. Seemingly sleepwalking through her match against Slovak Daniela Hantuchova in the Generali Ladies Linz today, Gisela was slammed 6-3, 6-1. The Lacoste gear will come in handy now since she'll be getting more rest than she was hoping for this week.
(images via AP Photo)
Thursday, October 25, 2007
FASHION FIX: Lacoste loungewear dooms Gisela Dulko in Linz
Labels: Daniela Hantuchova, fashion, Gisela Dulko, Lacoste, sponsorship, sports marketing, style, tennis
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In the download area, you will find the most important brochures, leaflets and fact sheets to use as you wish.
All-In Folder
2015/16 ski panorama
Season pass folder 2015/16
Image usage rights
Instruction Smart Ski Goggles
Here you can find the Ski amadé sound that is used in our new 2015/16 adverts on TV and radio.
You are welcome to download this sound as a ring tone and use it on your smartphone free of charge.
(To save: simply right-click on this and select "Save link as..." - you can now download the MP3 file)


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A vacancy has opened on the Bargersville Town Council after a member took on a new position with the town.
Council member Kevin Killinger is accepting the job of Bargersville Utilities superintendent, a position he's filled as a volunteer for several months. He said he resigned his council seat after he was hired as director of utilities because it would present a conflict of interest.
The utilities superintendent reports to and answers to the council, which oversees the town's water, sewer and electric utilities.
A Republican Party caucus will appoint Killinger's replacement. Johnson County Republican Party chairwoman Sandy Huddleston said she's accepting letters of interest for the position.
Possible replacements must live in Bargersville and be a Republican, Huddleston said. No other qualifications are needed for consideration.
Two prospective candidates already have expressed interest, but the caucus will consider anyone who applies, she said.
Voters elected Killinger, the fire marshal for the Bargersville Fire Protection District, as a Republican candidate for the council in 2011 with 18 percent of the vote in a six-way race. He won an at-large seat and represented the entire town.
He'll continue to work as fire marshal and also serve part time in the role of utilities superintendent for the town. He will be responsible for managing the day-to-day operations of the utilities and will have to regularly update the council on various issues and projects, such as a rate study that's planned at the end of the year.
Killinger said he didn't think it would be appropriate for him to fill both roles.
A caucus of eight precinct committee members from Union and White River townships will vote for his replacement on the council. Huddleston plans to convene the caucus Feb. 21.
Anyone interested in the position should send her a letter that's postmarked at least 72 hours before the caucus, or by 7 p.m. Feb. 18.
Her address is 280 E. Creekside Court, Franklin, IN 46131.