is a money market account the same as a money market fund 
no a money market fund is a mutual fund investment that holds short term treasuries and other money market instruments a money market account is a bank product that credits depositors a rate of interest the bottom linea money market fund is a type of mutual fund that invests in low risk short term debt instruments such as u s treasuries commercial paper and certificates of deposit cds these funds offer investors high liquidity with a very low level of risk while similar in name to money market accounts mmas money market funds differ because they are investment products without fdic insurance and their principal value fluctuates they are intended as a short term liquid investment providing little capital appreciation but generating modest income through interest money market funds aim to maintain a net asset value nav of 1 per share and are popular for their stability and regular income generation although they are sensitive to interest rate fluctuations the regulation and structure of these funds have evolved especially following the 2008 financial crisis to enhance market stability and investor protection today money market funds remain a vital part of the capital markets offering a safe liquid investment option for institutional and individual investors 